Complaint Review: Fairbanks Capital

Fairbanks holds my second mortgage. My payment becomes past due on the 2nd of the month.

I am disabled due to heart disease and stroke. Because I was born on the 30th day of the month, my SS is deposited at the end of each month. I always pay my bill, but recently Fairbanks has started calling me on the 25th of the month wanting to know where my payment is. Each month, I go through the same thing, and they always get the paymt before the past due date.

I am starting to see a distrubing patern emerge. The company is starting to send out a confusing statement which makes it seem as though I owe two payments. It just says pay such and such with out making any reference to payments not received.

After looking at this bill for quite a while I almost believed that I owed this amount. Just before I sent a check, I noticed in very small print "if you have sent you previous payment, please pay half the amount."

I have no problem with paying my bills. I do, however, resent, a statement of account which causes me to infer that I have defaulted when in reality, it seems as though they are trying to get an extra payment which, given the companies reputation, might easily end up missing or not posted.

I never chose Fairbanks as a loan service co. They just bought my paper. I know what I am saying is true, My mortgage broker makes a bad noise whenever that companies name is mentioned. I read the reports here and I have never had any words what so ever from any other lender. These folks have an agenda and it is not fair treatment of Americans.
Thank you,

Thomas
Florida, Florida
U.S.A.