Ok where to begin. Back in November of 2007 I started to fall behind on my mortgage payment, I was able to pay a good portion of it at first but not the whole amount, and well that's when the fun started.
I called them to make some arrangements for future payments and they told me that they could not accept partial payments and that the money was put into some accounts holding. For the next few months I tried to get the mortgage caught up but was falling further behind.
So in Feb. of 08 my wife and me decided to go through a consumer counseling company and let me tell you they have been great, they got me caught up completely with CIT who is my first mortgage holder but not with ASC. ASC of course would not accept any payments, every payment that was sent to them was rejected three total. They told me that they had to have the full amount, that they would not accept partial payments.
Well CCC tried on numerous occasions to contact them with no success and when they did get a hold of them they said they couldn't talk to them because they had to have an authorization form from me to talk to them. So CCC had me sign a copy and they faxed them that copy. After a week or so they contacted them and they said that they never received the document so they re-faxed it again.
Well 2 weeks went by at this time and I haven't heard anything from CCC so I contacted them and they said that they never called them back. So for another week they tried to talk to them leaving messages after messages but never getting a return call, around the last of March beginning of April they got a hold of them again and they said that they still never received the authorization paper from CCC.
So they re-faxed them another copy and for 2 weeks or so they tried to get a hold of them with absolutely no luck and at the end of April maybe beginning of May they were able to talk again and they still said they never received the authorization paper.
So when they re-faxed it again ASC told them that the form was not good enough because it was over 90 days old. Well CCC informed them that they have been faxing that form since Feb and they claimed they never got it.
But they wouldn't budge and said that they still needed and updated form, so they had me sign another form and this time they talk to their manager and that person gave us another fax number that would expedite that form. So after another 2 weeks of phone tag they said they never got the fax at either number.
So they resent it again at both numbers. well in June we finally did a 3 way with their manager and we talked about why they haven't received these forms, well now here's the kicker, the manager informed us both that they got all the authorization forms but they were apparently filled out incorrectly.
One form didn't have the account number in it, another they said it didn't have my middle initial on the form, another they didn't have my SSN number on it so they couldn't match it up with my account they said. So we talk to their manager and she said go ahead and re-fax the information again at 3 different fax numbers and they would do a rush job on the form so they could talk to CCC about some repayment plan.
After around 2 weeks they claimed they never got the form. Needless to say that CCC had $5000 ready to give to them to get me on this repayment plan but since they couldn't work with them they had no choice but to remove them from my repayment list and send me back the money. I had no choice but to hire an attorney and from what I understand from him their pulling the same crap with him as well.
I called ASC and told them that I had an attorney but since he wasn't on the phone with me they couldn't authorize him to talk on my behalf. Now the last time I check my name was on the contract so weather he was on the phone or not I should still be able to authorize him. But they insisted that he needed an authorization form so he faxed them one and sure enough they claim they never got.
These people really need to be brought down.
Fort Wayne, Indiana