Pennyfinder
Elite Member
Correct Me If I'm Out Of Line!
Here's the situation: My mortgage company sent my February payment BACK to me DAMAGED. They received it damaged but all information necessary to enter it MANUALLY was there but they returned it to me instead requesting another check. The catch is -- will the second check arrive before the "PENALTY" date -- this Friday the 16th when they will assess a LATE FEE of $13.90! Hey it wasn't my fault.
I called them and was told that the late fee could be waived IF I have not had any late fees assessed on my account in the last 24 months. Of course, I haven't so it would be waived. But here's the catch -- through no fault of mine, it will be waived but if it happens again in the NEXT 24 months from now it can't be waived again. They only allow a waiver to be done only once in 24 months! And I was told that it could not be entered manually that their system was all AUTOMATED! All checks, etc. are SCANNED! Hey! Really! It takes a human hand to PUT them in the scanner. Seems to me that SAME hand could have MANUALLY entered it into the computer DUH! It takes a "HUMAN" to get the scanner going! Yeah! Whatever! Just sounds to me like LAZINESS!
By the way, I received a letter with my returned check and coupon. That letter had to be typed by someone -- why didn't THAT person enter the information from my check and coupon!?! Hmmm?
Now on my part -- when I sent the "reissued check" to them today (hoping it will get there before Friday the 16th), I COULD have sent it OVERNIGHT or SPECIAL DELIVERY but truthfully that probably would have cost MORE than the LATE FEE. So I sent it regular mail.
Ain't automation wonderful! That's probably what damaged my envelope, check and coupon to begin with!
Okay, enough said. I'll get off my soapbox!
Here's the situation: My mortgage company sent my February payment BACK to me DAMAGED. They received it damaged but all information necessary to enter it MANUALLY was there but they returned it to me instead requesting another check. The catch is -- will the second check arrive before the "PENALTY" date -- this Friday the 16th when they will assess a LATE FEE of $13.90! Hey it wasn't my fault.
I called them and was told that the late fee could be waived IF I have not had any late fees assessed on my account in the last 24 months. Of course, I haven't so it would be waived. But here's the catch -- through no fault of mine, it will be waived but if it happens again in the NEXT 24 months from now it can't be waived again. They only allow a waiver to be done only once in 24 months! And I was told that it could not be entered manually that their system was all AUTOMATED! All checks, etc. are SCANNED! Hey! Really! It takes a human hand to PUT them in the scanner. Seems to me that SAME hand could have MANUALLY entered it into the computer DUH! It takes a "HUMAN" to get the scanner going! Yeah! Whatever! Just sounds to me like LAZINESS!
By the way, I received a letter with my returned check and coupon. That letter had to be typed by someone -- why didn't THAT person enter the information from my check and coupon!?! Hmmm?
Now on my part -- when I sent the "reissued check" to them today (hoping it will get there before Friday the 16th), I COULD have sent it OVERNIGHT or SPECIAL DELIVERY but truthfully that probably would have cost MORE than the LATE FEE. So I sent it regular mail.
Ain't automation wonderful! That's probably what damaged my envelope, check and coupon to begin with!
Okay, enough said. I'll get off my soapbox!