Gina's Ramblings

Yeah we got an 80/20 loan to buy this house. Our original martgage company gave us this "we only sell 1% of our loans. So chances are that you will continue with our company" yadda yadda... the first payment was made, then we get notice that mortgage one was sold. Fine and dandy that went smooth. Then this summer we get notice that our second mortgage (the 20) was sold! yippie (NOT)
All was fine and dandy. The old company got the Aug payment since the loan sold AFTER it was due. And the old company got the Sept payment. I set up a payment for the new place for Oct 1. All was going great, falling well within RESPA standards. Yeah well I check online at the new company after the payment cleared our bank yesterday. Late fees?? what?!?!?! we are never late. Not just late fees but 2 MONTHS of late fees!! Which is in violation of RESPA!!! We got reported to the credit agencies and all! We have NOT had any late payments!!!
So I have to track down the payments at the old company, I did after being transferred 3 times. I ask Great now fax that info to.... "oh no ma'am I cannot do that let me transfer you to..." OMG!!!!! BITE ME!!! I get that persons VOICEMAIL!!! GRRRRR
I just want this resolved yesterday people!!!
I am not now nor have I been late in my payments.