Posted by John in La on October 08, 2015 at 19:57:11 from (96.33.136.54):
In Reply to: Mortgage company scam posted by MarkB_MI on October 08, 2015 at 18:05:34:
I have been on both sides of this with one loan. The people I took the loan out with just took any over payment and applied it to the next months note. This worked great for me with the job I had at the time. I could make a payment for 3 or 6 months while I was working and then not have to worry about it if I got laid off for a while. Then that bank went out of business and sold out to a big nation wide bank. Went along fine till I missed a payment and they started sending late notices.
I paid a 30 year loan off in 20 years and it still shows late payments on my credit report.
The loan I have now on some vacant land; the bank sends a statement every month. Good thing they do as I have been caught with my pants down on this one. Bill is due on 6th of each month. Made 1 payment on 4th and another payment 11th one month thinking I now paid 2 months worth. One before the due date for this month and one after the due date for the next month. When I got the statement I noticed they applied the second payment to principal for the first month. I called and ask about it and was told statement goes out on 15th. Any payment made before 15th will be applied to last month. So basically I can only make a monthly payment between the 15th and 6th if I want to pay 1 month at a time.
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