Fairbanks Capitol aka Select Portfolio Servicing- Always Late Salt Lake City Utah

The person above gave excellent advise....be sure to follow it....Sending your payment via Registered Mail with Return Receipt is the only way to fight back...It will cost you an additional $3 to mail but it's worth it....You'll receive a green notice from the letter carrier with a signature confirming receipt and the exact date of receipt. It's impossible for them to assess late fees when you have such documentation.

The late posting of payments isn't random disorganization...It's deliberate....They WANT to damage your credit so that you won't have any other options for refinancing.

My husband and I were both victims for over 5 years of Fairbanks Capital now Select Portfolio Services. They tried to foreclose on our home twice in 18 months. We know their predatory lending practices well and had to implement this procedure to repair our credit report. For almost 2 years, we sent our payments by certified mail. You will receive a signed conformation that states when your payment arrived at SPS. With a legal binding document of the USPS, SPS has no choice but to record payment as to date received as per our attorney. After the two years that we did this, we were able to seek alternative financing and are finally rid of SPS. Good luck in your endeavors and get out from underneath them as soon as you can. They are in the business to steal your home, not finance it!