Each time I call to get a new one, the payoff amount is higher....each time I call to find out why, they can not explain it to me. So, now with the house empty waiting for closing & no income to support the payment coming in from it, we get behind on the payments by 2-3 months, we get a notice from them about default & to call and make arrangments to pay what is owed. We do that and make the payment as stated in the statement, which also includes stupid fees they say are related to default and their called something else.

They receive and post our payment with a breakdown of where the money was distributed and include this in the new statement for Februarys payment, (it's still january and the payment isn't due yet). The "default" charges are on this statment again which we just paid & I call them. Then the fun begins....after repeating the account number and name on account to a Christopher several times, he finally understands me and proceeds to put me on hold over & over again.....finally comes back to tell me that I am being charged those fees again because they took the money we sent them and put that portion of it towards next months payment!!! I of course could not believe it and asked him who gave him permission to do that.....he could not answer me.

I asked to speak to a supervisor and was told someone would have to call me back, they took my phone number and I have yet to hear from anyone. I will be calling them again first thing tomorrow.

Oh ya, did I mention that this loan was originally done in 2005 for 40K and the most recent loan payoff from last week that they sent me is for over 39K!!! Where has all my money been going???? Seems someone is using it somewhere else...maybe they should consider using that money on English speaking employees, so we can all understand what they are actually doing to us consumers!!