I have been a customer for maybe three years. Mortgage was passed on from Lending tree. I have never been late with my payments by mail. This time in May-2011 i decided to make a payment on line . For some apparent reason did not process. Reason from AHMSI is that my banking information was not correct. I have been making payments to other companies and never had any problems. I contacted AHMSI asking if they could wave the late fees due to never being late. I was told NO. It's not fair that all of our accounts has been transferred to other countries. when i contact them regarding problems they can't relate to us and we can't understand a word they are saying. Basically i would like for my late charge to be remove and to stop the harrsment by mail.