My account was sold to Select Portfolio Servicing, Inc back in 2001 from Fairbanks Capital Corp. and I have had problems ever since. Due to circumstances I had to file CHPT 13 back in 2001 and have had problems with charges on my account that no one with the Salt Lake City branch nor Jacksonsville, Fla can explain to me. My bkrptcy was discharged in Nov 2004 and they tried to have the courts file a stay on my case because they claimed I was due from Sept 2004-Dec 2004. I had to pay over 3000 (including atty cost and etc) to get this taken care of. In Jan 2005 that was paid and had zero charges against me.
In August 2005 they sent me a Notice of Default stating I had to pay the amount listed or they would accelerate my account and Foreclose on my property. I had to send copies of bank information stating the pymts had cleared my bank and I did this is writing. It took them over 60 days to respond back to me and they finally admitted they were in the wrong and had to credit my account the two months that they claim i was due for.
Not only that, while I was in Bkrptcy they were adding late fees that would total 57.00 each month stating that I was late. My part of the pymnt was ontime, the one that was late was from the Court Trustee, why should I be charged for two late fees. They wouldnt explain that either.
They are also every rude and demanding when they call. Have had them call from unknown numbers throughout the day totalling 5x or more a day. Also getting the msg of "please hold for an important message" and hang up. Calling at 8:55p at night. To me very inconsiderate when u have small children in school and in bed at those times.
I had one instance in Sept 2006 where I wasnt home and they called my residence and got my husband. The person calling asked for me and he stated i was not home to leave a number, the guy stated that he could discuss my past due account to him since he was my husband. My husband stated no he could not because he was not on the loan and this was taken out before we got married. They disclosed my private information with him.
Then two days later called me back and the gentleman that called was nasty and beligerent. Told him at the moment was doing the best I could because I got laid off from my job, he wanted to know how I was paying my other bills, told him that did not pertain to my contract and it was none of his business. He kept on and on and I stated my husband paid the other bills, I was responsible for the mortgage. He then wanted to know what my husbands income was and why wasnt he being a man and paying all the bills. I stated to him that this conversation was done and I was not discussing anything else with him and hung up. To me that is none of their business.
These charges no one can explain to me (unapplied balances, total amount of charges owed (totalling almost $400., and late fees.) When will this stop? When will we be awarded our dignity of being honest paying citizens and stop allowing them to ruin our credit and namesakes.
If anyone knows what I can do to report this further, please let me know.
Tired of getting shifted by Select Portfolio Servicing, Inc
St. Matthews, South Carolina