MrsMac2003
Jul 25, 2008, 05:35 PM
We have been having problems with our mortgage company from day one. Once the signed contracts were taken care of, they now insist that we call them to conduct any business we may have with them. We have our discussion about whatever the concern is and they tell us they will note the account. Next thing we know, we are being told that the notes say we agreed to something we never agreed to! Or they get it all wrong. When we confront them about it, the person claims to not remember that part of the conversation.
Also, we got a cell phone that is one of those where we have to buy minutes for it to keep it active. The only people who had this number were my husband's work and one or two other people who may need to get ahold of us in an emergency. Our mortgage company somehow got ahold of this number and if we were not home they would call our cell rather than leave us a message at home. (We have caller id in both places) I told them several times to NOT call the cell phone and why. They ignored our request.
So, we are tired of having them ignore us. We are tired of having them put what they want to in the notes regarding our telephone calls. We want to conduct all future business with them in writing. We feel that is the best way to protect both our interest and theirs. Can anyone advise me on the best way to word a letter telling them that we want to do this? I am not even sure if we have a legal leg to stand on.
I should point out that I have already tried telling them this in an email which they have also chosen to ignore. I am thinking I need to send a letter to the address he provides for his office and make it a return receipt requested.
One more thing... we have told them in the past that we could not send our regular payment in one lump sum and would have to do it in installments. They always insist that we keep the money at home until we have it all and then send it. We know that if we did that, we would end up spending on something like GAS or FOOD. So we have been sending them a set amount every week. We know that it goes into an escrow account until there is enough for a payment. Are we wrong to do this? I know someone may suggest getting money orders and holding on to them... I lose things so easily.
So, any advice? Thanks!!
Also, we got a cell phone that is one of those where we have to buy minutes for it to keep it active. The only people who had this number were my husband's work and one or two other people who may need to get ahold of us in an emergency. Our mortgage company somehow got ahold of this number and if we were not home they would call our cell rather than leave us a message at home. (We have caller id in both places) I told them several times to NOT call the cell phone and why. They ignored our request.
So, we are tired of having them ignore us. We are tired of having them put what they want to in the notes regarding our telephone calls. We want to conduct all future business with them in writing. We feel that is the best way to protect both our interest and theirs. Can anyone advise me on the best way to word a letter telling them that we want to do this? I am not even sure if we have a legal leg to stand on.
I should point out that I have already tried telling them this in an email which they have also chosen to ignore. I am thinking I need to send a letter to the address he provides for his office and make it a return receipt requested.
One more thing... we have told them in the past that we could not send our regular payment in one lump sum and would have to do it in installments. They always insist that we keep the money at home until we have it all and then send it. We know that if we did that, we would end up spending on something like GAS or FOOD. So we have been sending them a set amount every week. We know that it goes into an escrow account until there is enough for a payment. Are we wrong to do this? I know someone may suggest getting money orders and holding on to them... I lose things so easily.
So, any advice? Thanks!!