Bob
Arizona,#2Consumer Comment
Thu, November 24, 2005
1. If Countrywide puts "Return Service Requested" on their envelopes (and they do), then the post office won't forward the mail, it is sent back to the original sender with the new address. 2. I agree that the OP was at fault for not putting the house payment into a savings account (perhaps an interest bearing one) until they would be contacted by the new servicing company. 3. However, Countrywide has a long list of people who have had to sue them to stop forclosures (and Countrywide loses). 4. Finally, never do anything via phone that you don't record. Use faxes and emails. You can record a conversation provided that you notify the other person of the recording unless it is within your own state.
Steve
Corona,#3Consumer Suggestion
Wed, November 23, 2005
I have a few simple questions for you that I believe any reasonable person would like to know the answers to. If you or any other reader believes these questions are not reasonable, please say so. 1. "didn't notify us for 2.5mos." During this period of time did you take the money that was your regular house payment and save it for the eventuality of paying SOME COMPANY a total amount due when you found out who was servicing your mortgage? You didn't spend the money on something else, right? 2. "We aranged to make a double payment when our Taxes came in Jan." Why couldn't you just stroke them a check for the full amount due? You had been saving the money for your normal house payment right? 3. "I found out that they were sending the statements to our old rental address. " You didn't have a forwarding order with your post office? A reasonable person would believe that this is a prudent, responsible action. It never ceases to amaze me when I see posts like this. Sure...I agree that Countrywide could have called you earlier. Maybe it was their mistake to send the statement to the old rental address. But....YOU are the person who owes the money. I guarantee you that the previous servicer would have been able to provide you with Countrywide's name before that 2.5 months was up. Personally, I would have been on the phone with the previous servicer every other day and scaling higher up the chain of command until I got the correct answer. Now...a suggestion for you. Countrywide has a very good website at which you can view all of your account details, taxes, insurance, last payment received, next payment due, etc. In my experience, electronic (ACH) transfers directly from your bank account will prevent any misunderstandings about payment receipts. I am not a Countrywide shill. I am a responsible homeowner who is proactive with my finances.