my mortgage company is harassing us. We told them we would make a mortgage payment on the 31st of December. they said they couldnt take a commitment that far out. They called me every 3 days since 12-3-07. We told them we would pay on that day every time. From 12-27-07 til 12-31-07 they called every day!(including Sunday at 9a.m.) On 12-29-07 a lady told me that they had all of my banking information, and would just take it out of our account! We paid it on the 31st, and already First Franklin Mortgage is harassing us for our Jan. payment. Is this harassment, and what can we do?
How often are you late? If you’re late often, they might have deemed you a financial threat. Sadly, it isn’t harassment. But if they are calling like crazy and you’ve never been late, maybe you should ask a few questions to a lawyer and see if he can give you some advice.
GOOD LUCK!
EDIT: She threatened to take it out of your account? Then YES, that IS harassment… seek a lawyer! And BTW, she can’t do that…. that would be illegal! (Sorry I didn’t read the bit!)
May 1st, 2010 at 5:13 am
See a lawyer
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May 1st, 2010 at 5:38 am
not harassment. except for the Sunday calls and threatening using your banking info. pay your mortgage on time. that’s the contract you signed when you bought the house.
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May 1st, 2010 at 6:06 am
When was the payment due? If it was due earlier, you can’t just arbitrarily set a later date and then tell them to leave you alone. If it was due on the 31st of December, then what happened is definitely harassment, and you should see a lawyer about this.
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May 1st, 2010 at 6:55 am
Don’t answer the phone! File a complaint with your state AG.
Call the FTC & register a complaint.
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May 1st, 2010 at 7:21 am
How often are you late? If you’re late often, they might have deemed you a financial threat. Sadly, it isn’t harassment. But if they are calling like crazy and you’ve never been late, maybe you should ask a few questions to a lawyer and see if he can give you some advice.
GOOD LUCK!
EDIT: She threatened to take it out of your account? Then YES, that IS harassment… seek a lawyer! And BTW, she can’t do that…. that would be illegal! (Sorry I didn’t read the bit!)
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May 1st, 2010 at 7:45 am
I would call the company and ask to speak to a manager. It sounds like their collections department is out of control, the company ought to be made aware. If the issues aren’t addressed, I would file a complaint with the BBB.
Also, if you send the company a cease and desist letter, they can no longer contact you via the phone.
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May 1st, 2010 at 7:57 am
It’s not harrasment if the original agreement, the original payment is due on a different date. You cannot ‘pick’ your date to make your payment later on when it has already been established. They have the right to collect their money.
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May 1st, 2010 at 8:10 am
Pay your mortgage on time as agreed. This is only going to hurt you in the end.
You may not like their methods, but you are sitting on a lot of THEIR money! Like someone else said you can’t decide arbitrarily when you are going to pay the mortgage. If you keep this up your credit is going to be in the toilet.
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