In the process of trying to refinance our home, we learned that Washington Mutual reported that we are a month behind on our mortgage payments.
I printed out the payment history that I obtained online through our Checking account (also with Washington Mutual) proving that we made every payment on time and in most cases, at least 10 days early.
I kept calling and talking to various customer service reps, (You could never speak to the same one twice) trying to get the problem corrected. No matter what I did, all I got was promises that were never kept.
In the mean time, I ended up making two additional payments to Washington Mutual, because we couldn't close on our new loan until the problem was resolved. It was also jeopardizing a darn good interest rate.
I called an atty. that contacted Washington Mutual. He was told that, due to a mistake on the part of Washington Mutual, we were being penalized in error.
The atty. and the loan broker explained to the representatives working for Washington Mutual several times, that all we needed is a letter stating that we were never late and the problem corrected so we wouldn't be charged late fee's and so their history report would not reflect to the new lender that we weren't late.
A letter was never provided by Washington Mutual and communications ceased with the atty. When he called, he would be placed on permanent hold and would never get a call back when he left a message.
The broker finally switched us over to another lender that was willing to overlook the requirement for Washington Mutual's payment history due to the proof we furnished from Washington Mutual's online site reflecting that we were never late on a payment.
When arriving home from our Christmas holiday, we found a notice from Washington Mutual stating that our hazard insurance had not been paid and if we did not respond within 10 days, they would furnish the insurance on their own.The odd thing about this is that the insurance is supposed to be paid out of our Washington Mutual escrow account, as well as our taxes.
I called the insurance company only to find that our insurance is paid up until Dec. of 2007 and Washington Mutual in fact paid it out of our escrow account. (Harassment? You be the judge)
The insurance company finally resolved that situation.
Now, all we needed to close is a new payoff report from Washington Mutual so the lender would have the figures on how much is owed to Washington Mutual.
It seems like a simple enough task. Nope. It was not. Washington Mutual refused to provide it broker, stating that it would take at least 10 days because we are still in Bankruptcy.
The Broker told them that we are not as of two years ago and asked if he could go to the court site proving that our Bankruptcy was discharged two years ago, would they accept that. The Washington Mutual representative agreed and the broker as promised provided the discharge notice.
Washington Mutual then told the broker that they would only accept the discharge papers for an Atty. or the judge.
Our Bankruptcy Atty. contacted Washington Mutual and they did provide him with the payoff information in writing. However, due to the late fees and charges for a late payment that we were never late on, the payoff amount is approximately $2,000.00 over and above what it should be.
We are closing escrow and taking this loss that is none other than pure theft from these Banksters just to get our loan out of their clutches.
These Banksters are so cocky, they were never concerned about the possibility of a lawsuit, not did they ever feel threatened when being contacted by any Atty. This whole episode was a train wreck that lasted for three months and cost us dearly.
Hacienda Heights, California
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