I come home from work Friday and have a notice from the post office that delivery of a certified letter was attempted, and I can either as for them to redeliver or I can go by the post office. I hate certified mail because I am never home during delivery times and of course I can't get to the post office near my home during my lunch break from work - too far. Luckily it was Friday, so I was able to go by yesterday.
I pick it up and am even more pissed because it is one of those perforated, tear off the edges envelopes, how important could this be, right?
The letter reads:
July 03, 2008
Dear Mortgagor:
This letter will serve as notice on your breach of your Mortgage encumbering the above referenced loan number.
You are in breach of the mortgage for your failure to pay the monthly installments due thereunder. In order to cure this breach of the mortgage, you must send certified funds in the amount of xxxx.xx for payments and $.00 for late charges, plus any additional payments that may come due within thirty (30) days from the date of this letter. If you fail to bring this account current, the full balance of the loan will be accelerated.
You are hereby notified that we will be making periodic inspections of the property in accordance with the Mortgage or Deed of Trust to protect our investment. Foreclosure and public sale of the property in accordance with the applicable State Laws will follow if this account is not current within (30) days. You have the right to reinstate the mortgage after acceleration pursuant to the terms of the Mortgage and you have the right to assert in any foreclosure action the non-existence of a default and any other defense you may have to acceleration and foreclosure.
Unless you notify this office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. We urge you to protect your investment by promptly bringing your account to a current status. Please govern yourselves accordingly.
Sincerely,
Susan Beets
Manager
Collection Department
800-820-0024
So after fuming for a few minutes knowing I had been paying, I decide to cancel my plans for the day and head home to start digging up my evidence. After a few more minutes I decide to call the phone number even though it is Saturday.
The message is:
If you are calling in reference to a certified letter that you have received dated July 3 demanding the full amount due, please be advised that letter was sent in error. We apologize for this error and our office is preparing written apologies.
It also goes onto say my credit score has not been effected by the error. Then it invites me to leave a message to be returned. The system then says the voice mail box is full.
Apparently a lot of people got these letters, and might not be as good humored as I am.
I pick it up and am even more pissed because it is one of those perforated, tear off the edges envelopes, how important could this be, right?
The letter reads:
July 03, 2008
Dear Mortgagor:
This letter will serve as notice on your breach of your Mortgage encumbering the above referenced loan number.
You are in breach of the mortgage for your failure to pay the monthly installments due thereunder. In order to cure this breach of the mortgage, you must send certified funds in the amount of xxxx.xx for payments and $.00 for late charges, plus any additional payments that may come due within thirty (30) days from the date of this letter. If you fail to bring this account current, the full balance of the loan will be accelerated.
You are hereby notified that we will be making periodic inspections of the property in accordance with the Mortgage or Deed of Trust to protect our investment. Foreclosure and public sale of the property in accordance with the applicable State Laws will follow if this account is not current within (30) days. You have the right to reinstate the mortgage after acceleration pursuant to the terms of the Mortgage and you have the right to assert in any foreclosure action the non-existence of a default and any other defense you may have to acceleration and foreclosure.
Unless you notify this office within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. We urge you to protect your investment by promptly bringing your account to a current status. Please govern yourselves accordingly.
Sincerely,
Susan Beets
Manager
Collection Department
800-820-0024
So after fuming for a few minutes knowing I had been paying, I decide to cancel my plans for the day and head home to start digging up my evidence. After a few more minutes I decide to call the phone number even though it is Saturday.
The message is:
If you are calling in reference to a certified letter that you have received dated July 3 demanding the full amount due, please be advised that letter was sent in error. We apologize for this error and our office is preparing written apologies.
It also goes onto say my credit score has not been effected by the error. Then it invites me to leave a message to be returned. The system then says the voice mail box is full.
Apparently a lot of people got these letters, and might not be as good humored as I am.
