Americas Servicing Company Due dtaes are not real,,...be very careful Fredrick Maryland
after recieving numerous letters stating I was not payin my loan on time I read some fine print..ASC stated that my payments needed to be RECEIVED by a specific date...however, after speaking to ASC i have come to undertands that the common phrase of recieved means "POSTED" to theses people.
They have hired an attorney to put me inforclosure without telling me that they were doing this and billing me for whatever they attorney says....ASC's word were...he billed us..so we bill you..we dont know what it is for.
These people are a scam and are tying to take whatever they can get thier hands on. Even though they clearly put something in writing..do not believe it because they have thier own meanings for words and now I have to fight to keep my house.
How can we protect ourselves??
Dave
Hobart, Indiana
U.S.A.
4 Updates & Rebuttals
Britney
Catonsville,Maryland,
U.S.A.
ASC
#5UPDATE EX-employee responds
Sat, April 14, 2007
Hi, yes read your note. However, I'm sure it does not say that you deserve to be harassed several times a day for each day your payment is late! I worked in the collections department of ASC for almost 4 years and I had to deal with this every day. If possible, mail your payment several days before the due date. Ex: if your due date is the 1st of each month, send it a few days before. The best way is to send payments by Western Union. ASC has problems posting mailed payments on time (they always have), and their phone payment fee is way too high. Whatever you do, do not sign up for auto pay because I've seen tons of problems with that. I do not trust ASC!
Britney
Catonsville,Maryland,
U.S.A.
ASC
#5UPDATE EX-employee responds
Sat, April 14, 2007
Hi, yes read your note. However, I'm sure it does not say that you deserve to be harassed several times a day for each day your payment is late! I worked in the collections department of ASC for almost 4 years and I had to deal with this every day. If possible, mail your payment several days before the due date. Ex: if your due date is the 1st of each month, send it a few days before. The best way is to send payments by Western Union. ASC has problems posting mailed payments on time (they always have), and their phone payment fee is way too high. Whatever you do, do not sign up for auto pay because I've seen tons of problems with that. I do not trust ASC!
Britney
Catonsville,Maryland,
U.S.A.
ASC
#5UPDATE EX-employee responds
Sat, April 14, 2007
Hi, yes read your note. However, I'm sure it does not say that you deserve to be harassed several times a day for each day your payment is late! I worked in the collections department of ASC for almost 4 years and I had to deal with this every day. If possible, mail your payment several days before the due date. Ex: if your due date is the 1st of each month, send it a few days before. The best way is to send payments by Western Union. ASC has problems posting mailed payments on time (they always have), and their phone payment fee is way too high. Whatever you do, do not sign up for auto pay because I've seen tons of problems with that. I do not trust ASC!
Maria
Charlotte,North Carolina,
U.S.A.
Read you note
#5Consumer Suggestion
Sat, April 14, 2007
I would like to say that if you read you note that you signed, your loan is due on the 1st of the month, after the first your loan is in default. Yes you pmt has to be posted by the end of grace period to avoid late charges. A lot of homeowers call thinking their pmt is not due till the 10th or the 15th depending on the grace period, they are wrong the company goes by the due date on the note document you signed at closing. FYI, the only reason ASC is servicing your loan is b/c it is a subprime loan meaning that your credit was not good enough to get a "prime loan" that is why after the 1st collections calls sometimes 2 and 3 times a day to make sure your going to send the pmt, that is in your note also.