I asked them for a loan Stipulation. I followed their procedures exactly. We did everything with in the time frame they gave us.

When I received a call about being late on my payment, I went on their website and look at the informaton about the loan stipualtion, it said the letter was poseted on the 29th of Sept and I acknowledged it on Oct 1st but it was disapproed because I did not acknowledge in 5 days. According my calucation, I made their deline. I called them talk to one of their personal who could not speak Engish very well. He did not listen to what I was saying but repeated I owe x amount of money and when was I going to pay it. I finally got him to transfer me to a supervisor. She could not do anythng about the calls or my problem as the department she needed to contact was closed. I also went on their site and filed a complaint about the problem. The next person I talk to could not even look at my account information except for the amount I owed and this person was in the correct department to handle the problem. I had to give hime my user name and password so he could sign in as me to see what I was complaining about. Once I did this, he was suppose to correct the problem. Over the last weekend, I received over 6 calls from them and the problem was still there. Again all of the operators we talked to would not litsten to what we were telling. I finally got a supervisor who look at the notes and saw what we were talking about. Even after she agreed with us and made notes to the account we got more calls and had the same problem as they would not read the notes on the account. They told us they could not stop the calls unless we sent to them in writing a letter explaining why they did to stop the calls.

The funny part of all this is we had sold the house on Friday but missed the cutoff to wire transfer the money to them on Friday. Now I am waiting to see if they actually clear negative report on my credit report and refund late fees as I was told they would.