Need quick advice re:mortgage/credit report
Date: Wed, 06/09/2010 - 13:53
Complex problem..........
In Jan. I thought I had paid off my mortgage. Got a call in Feb. saying I was seriousely delinq. told them it was paid ,they said sorry their mistake as it does show paid.They said to expect final papers to show release from lien. Next month same call & discussion. Never received the papers. Checked my credit a month ago,it show $2 balance on loan and late payments on my credit report since Jan.
Called and talked thru the past conversations/events. Told by GreenTree that the balance did show $2 but that should've been taken off. Then they said it also shows I owe an explained amount of $257.64. They were supposed to clear that up as it was something they could not explain,also said they would call back. Never heard from them.
BTW no statements sent in recent months,until this past month got one for $2.86(pricipal due). Called them again, they now say I owe $309,they are increasing the $ every time I talk to them. They now say it was for homeowners insurance. If I was supposed to be paid off in Jan. as they had said,insurance shoud've been dropped then.
Should I pay the $2.86 my statement says and mark the check "paid in full" then file complaint/explanation with Credit bureaus? Do I pay it a$309 and insist they fix my credit report/late pays, will they do that???? So $2.86 or $309 ??
Sorry I'm totaly feedup with this company and would not recommend them ever!
I would appreciatte any advice.Please! As I would like to buy a new house but I can't until this is cleared up and my credit score goes back up.
In Jan. I thought I had paid off my mortgage. Got a call in Feb. saying I was seriousely delinq. told them it was paid ,they said sorry their mistake as it does show paid.They said to expect final papers to show release from lien. Next month same call & discussion. Never received the papers. Checked my credit a month ago,it show $2 balance on loan and late payments on my credit report since Jan.
Called and talked thru the past conversations/events. Told by GreenTree that the balance did show $2 but that should've been taken off. Then they said it also shows I owe an explained amount of $257.64. They were supposed to clear that up as it was something they could not explain,also said they would call back. Never heard from them.
BTW no statements sent in recent months,until this past month got one for $2.86(pricipal due). Called them again, they now say I owe $309,they are increasing the $ every time I talk to them. They now say it was for homeowners insurance. If I was supposed to be paid off in Jan. as they had said,insurance shoud've been dropped then.
Should I pay the $2.86 my statement says and mark the check "paid in full" then file complaint/explanation with Credit bureaus? Do I pay it a$309 and insist they fix my credit report/late pays, will they do that???? So $2.86 or $309 ??
Sorry I'm totaly feedup with this company and would not recommend them ever!
I would appreciatte any advice.Please! As I would like to buy a new house but I can't until this is cleared up and my credit score goes back up.
called Greentree back,they said the reason for the increase in a
called Greentree back,they said the reason for the increase in amounts given is fees and interest. If they would've been honest with me in Jan.this would've been taken care of the but know I've accumalted all these extra fees and my credit has now been damaged. Should I file an explanation with credit buraeu and BBB?????????? What's the best way to deal with this,not only the $,but my credit score?
Thanks
BTW the insurance was to be included in my payments, my payments
BTW the insurance was to be included in my payments, my payments were increased to allow that.