America's Servicing Company Wont take a payment Ripoff Frederick Maine
My previous mortgage company sold my mortage to ACG! They don't want to work with us at all. We got behind 2 payments due to my job I was waiting on unemployment and it took forever. They have sent people to our house and left notes on our door to call. Which we had been calling them telling them what was going on. They carged us $15.00 everytime someone came to our house to leave a piece of paper on our door to call.
I called in last week to make a payment and they wouldnt except our payment. They said that we could'nt pay just one payment we had to pay a payment and a half of a payment. We asked them why wouldn't they except a full payment. They just said we can't! We are so upset over this. We are so tired of working with them that we put our house on the market and we bought a different house and we told them that we have our house sold just waiting for paper work so we can close. Please help this company needs shut down they are ripping people off!!
Shadow68
Perry, Iowa
U.S.A.
1 Updates & Rebuttals
Black Hearted Woman
Hagerstown,Maryland,
U.S.A.
Wont Take Payment..explained
#2UPDATE EX-employee responds
Mon, August 06, 2007
The reason they can not take your payment is this....
You fell two months behind. Whatever the reason was really doesn't matter, fact remains you did not follow the terms of the contract you signed when you bought your home( see note or deed of trust). As a mortgage servicer, they must adhere to the terms of the contract, be it for better or worse. What they are asking you to do, is:
1. Pay a payment and a half to show some effort on your part - call it a good faith payment.
2. Enter into a payment arrangement that you can afford.
If you were a renter....and you didn't pay your rent for a couple months, do you honestly think your landlord wouldn't throw you out? You have defaulted on your loan.
Whatever the excuse, thats your reality. There are a few options for you, you can, work with the company- it often easier to work with someone than foreclose on your home- the banks lose money when they foreclose on your home. Ask for a short sale or a deed in lieu....it'll get you out of the house without affecting your credit nearly as bad as foreclosure would