I was having a good experience with my old loan company. However, after three months of smooth payment and everything, my mortgage was sold to Loan Care LLC. For few months, I got behind of my payments as their website won’t work and I was not able to login to my account with the old loan company. When I consulted the old firm, I was told that the new account and the information of the fresh contract were the responsibilities of Loan Care LLC, the new mortgage company.
So, I called their office and each time I would make a call, the music to stay on line would continue for three hours minimum. Sometimes, it would keep me in the queue for even longer. Every time, my phone was answered, I felt as if the same person was talking to me. I deem that the same person picked my calls all the time.
Sometimes, that person would suggest me to check my account details on my email after a day or so. Which when not appeared, I had to call him back. This continues for quite some time. I tried to get hold of someone and I was given another date. Because of this carelessness, I got behind of my payments.
Last week, they called me and said that I was four months late which was not true as I was only three months late. So, they said that I would be getting into foreclosure and to avoid that I will have to make payment for 2 months at once. I had no choice but to make the payment.
Later, I was told that my calls would be send to collection. So, to make the payment, I was connect to some foreigner who was completely using a different English which was out of my understanding. He asked for my credit card details to make the payment or threatened to disconnect the call, finally getting into foreclosure.
So, I had no choice. I provided him the details. When I asked about the payment dates and when the next payment was due. I was given a different date from my last contract with the old finance company. I mean, how could they change my payment date. And even they want to play the dictator, why I was not provided any written notice for the same.
Leave the written notice, they did not provide any verbal information on the same. Also, when I was calling many times to pay the loan dues. I am sure, they would be calling anytime to ask for the two months payments. These people are scammers and they have completely unfriendly employees who would never help you in need.
I have never been treated like this. It was my first experience with a finance company that treats customers like shit. They do not give any damn about your problems and even for those which were created by their mistake. I wish my loan was never sold to them.