Big Bank,little customer (long)

[Sugarbaby]

I am so mad,I could spit nails! After years of payments,we finally paid off our Chapter 13. We got a nice official notice from the court and were starting the long process of cleaning up our credit rating. Then I got a notice from our mortgage company that they would be doubling our mortgage payments because they had paid our back taxes! The trustee was to have paid these,but after all these years,the bank jumped in and paid it. The money that was set aside for this was used to pay off unsecured debts. Our local branch knew that this was to be paid by the chap.13 trustee,but our bank was recently bought by a large corporation in California. This was just the start of our nightmare. We had no recourse but to pay the new amount,but the branches did not communicate and began charging us $6.00/day late fee,even though the mortgage payment was paid directly from a credit union account. My husband made many calls and each time he was assured that everything was taken care of. Two weeks ago we got a notice that we owed $517.00 in late fees. Another call,another reassurance that everything would be made right. Today I got a notice from our bank stating that they had closed our account due to not paying late fees,reported us to the credit reporting agencies and turned us over to a collection agency. Also had a letter from the collection agency telling us to pay the $517 now or else. After two hours on the phone,we were told "Gosh,your account has never been late,you don't owe late fees,but golly,it's out of our hands now! You will have to pay!" This is the kind of stuff that makes people go mad with frustration. I am so angry at being treated like this I can hardly stand it. Sorry to rant so long,but it was either this or pop that pounding artery in my temple. We don't have the money for a lawyer and my husband says it will be cheaper just to pay it. Our house payments went from $525 to over $1000 a month!! I am so PO'd.

 

[oogieboogie]

sent you a PM. Please read.