posted by (anonymous) at 02:16pm on 2002-07-25
Welcome to the wonderful world of customer service. Believe me, you're not alone. I've seen entire television documentaries on this subject and type(s) of problem(s). I just figured out today that my mortgage company doesn't allow access to account if they are "overdue" - as in, the payment was sent, and possibly even reveiced, but not posted. So you can't check up on any payments and you have no idea that there might have been a payment received late until you get a notice in the mail from their lawyers and then, of course, they won't discuss it woth you - you'll have to get a lawyer. I ended up having to go to court last year over the whole thing - the court was peeved because apparently you just show that you paid and that's it... the mortgage lenders' lawyers were supposed to see that and shut up - but no they still took me to court over it. I just got another notice from them today - apparently another payment not received and instead of telling me so I can fix it - they're taking me to court. I've moved. I may have to go back to Illinois (from West Virginia) and I wonder if I will see some of the same people who were there last time. Last time in court the poor guy before me (Juan Sanchez) was getting his house repossessed when he had made all the payments (on time, even - and had proof of such). The amounts they said he owed didn't match up to his actual mortgage payment amounts (according to the original lending statement - even including any late fees and such). The court concluded the lender must have the wrong Juan Sanchez or something. Poor Juan had missed 14 days of work going to court over this and they couldn't ensure that he wouldn't miss more. Apparently Juan is at a loss - he can't file suit against them for the hassle because it's no one's fault (so says the lawyers and the court). Not to belittle your frustrating experience(s) - I have come to expect complete incompetance from about 95% of any company's communication methods. You can always go to the state consumer affairs - and I have had some luck getting on the phone and being transferred from person to person to department, etc, until I find a person with clue. THen I get their name, phone number, extension, etc. and call them about everything. THey usually can't help with just anything, but they'll usually try. The only danger here is that sometime different departments have different information - I also found out from the mortgage lender that not all departments have updated info. So the lawyers say I missed a payment and I owe a certain amount - which even if I did miss a payment is the incorrect amount because they are dealing with a department which has incorrect information - at least according to this other department.

I've also had some luck trying to only deal with companies that have phone numbers - not just email. Some of the companies online really just want you to email them and if you can't get the system to work, you're at a loss.

Evolution. Can we ever get rid of some of these vestigital organs? Probably not - the evolution rate is too high for the complexity of the organism(s). Result: maladaptive organisms. Low fitness...
death...

<BIOLOGISTS!!! :P all things must die - only to be BORN AGAIN! <Philosophers!!! :* Have a great day anyway!!! Ru

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