ASC is being verf difficult, what can I do?
I have called and called ASC numerous times to get them to work out a payment program. They tell me things like the computer is down call back tomorrow. I call back and I get another excuse and when I have asked if they have record of my last call yesterday they tell me I never called. I was served with papers 12/10/07 and even though they received my payment of $2000.00 on 12/07/07 that would have caught me up in my payments. They told me because of the notice they would be sending back the $2000.00 I have yet to see that money back. I was told on the 12/11/07 by one Rep. that they were holding the money in suspense while we would see if we qualify for a repayment program. The next day I get a call from the foreclosure trustee stating that ASC was sending the money back because they (the trustee) couldn't start the foreclosure proceedings when I had just caught up my payments? I called on the 12/12/07 I was told indeed that the money was being sent back to me and that I could fax in all my monthly expenses to see if I qualified for their program. I was called by the Trustee on the 13th and they stated that to stop the judgment that I could pay $9600 on Dec.26th that would bring my account current and pay the attorney's fees. ASC has lost payments that I have made and told me that I couldn't make partial payments they only except full payments above my total monthly payment. They wouldn't work with me on finding the supposed lost payments. I have faxed in copies of my bank statements . Ever since ASC bought our contract from Mortgage Lenders Network it has been a living nightmare. I am 2 months behind on my payments according to my bank statements. But with the supposed return of my Dec. payment that makes me 3 months behind. How can they legally state I am 90 days delinquent when I'm not?
Comments
1) Screwed up the data entry so that they rejected my insurance carriers bill. (7 calls and numerous faxes to fix)
2) They screwed up the data entry so that they were not escrowing for my taxes and I got a notice from the County about being 2 bills behind and $300 in penalties. (3 calls and 2 faxes and I hope it is now fixed).
3) I just got another letter from them saying they do not have complete owner's information.
I am writing my congressman and the chairman of Wells Fargo.






