Payday loans vancouver b c

On their website and on their automated phone message they saying my payment is actually exactly double what it should be for each month. On their website and on their automated phone message they say my payment is actually exactly double what it should be for each month. I have called them numerous times over the last several months payday loans vancouver b c and spoken to a lot of different people. Tickets to do research into my account has been opened a few times. When the loan was first transferred the information was correct and then a couple months later it was all incorrect. I am technically behind 2 payments, but they are claiming I am behind 4.

That would make perfect sense considering they think my payment is actually double what it should be. I got laid off due to covid-19 and so inquired about the possibility of pausing my payments. I did this through a secure message on their website.

They automatically stuck me into a forbearance plan.

The problem is that this new forbearance plan is based on their in accurate assessment of my loan payments and payments. So now on top of just being concerned about being able to make my payments I am concerned that once this forbearance ends they will try to get this large sum of money that is actually incorrect and that they will somehow get away with it. I really wanted their math all corrected before I applied for forbearance.

I thought I was just inquiring about what my options were, but but oh well. And of course the big bummer is that this is not a federally backed loan. So I have been reading that I can send them a qualified written request to correct the issues with my account. My house at this juncture is worth more than both my 1st and 2nd mortgages so they would probably love to foreclose. I originally got behind on my payments after my husband had cancer.

In the meantime, I just want them to correct my account. Any advice on how to get them to do that in a timely manner is much appreciated. I should add that I have applied for a modification already and was denied. If you turned the entire thing into a fixed rate in 2015 , what exactly happened?

If it was a refinance, then the terms of your original loan are no longer valid.

I knew that the draw period was set to end in 2017 , so in 2015 I simply called the lender and asked if I could lock in a rate at that time. I was told I could and told what my new payment would be and what my interest rate would be for the remainder of the loan. I plan to include copies of a few of short term loan companies these statements with my letter.

But you would think they have all of my documents from the previous servicer. Can one of the moderators please move it to where it should go? If you turned the entire thing into a fixed rate in 2015 , what exactly happened? If it was a refinance, then the terms of your original loan are no longer valid. Thankfully yesterday I got someone on the phone at Bank of America who is the old servicer and originator of the loan to dig up the paperwork for when it was made into a fixed rate loan.

Thankfully yesterday I got someone on the phone private loans for bad credit at Bank of America who is the old servicer and originator of the loan to dig up the paperwork for when it was made into a fixed rate loan.

For purposes of this subsection, a qualified written request shall be a written correspondence, other than notice on a payment coupon or other payment medium supplied by the payday loans vancouver b c servicer, that— (ii)includes a statement of the reasons for the belief of the borrower, to the extent applicable, that the account is in error or provides sufficient us payday loan detail to the servicer regarding other information sought by the borrower. Thankfully yesterday I got someone on the phone at Bank of America who is the old servicer and payday loans vancouver b c originator of the loan to dig up the paperwork for when it was made into a fixed rate loan. This is kind of complicated so I want to get it right.

I wrote a letter, an error resolution request, and sited how they are charging me the wrong monthly payment and wrong interest rate.

The letter shows the correct legit online loans for bad credit interest rate and monthly payment.

I tell them that because they have been charging me incorrectly.


Loans poor credit

They have miscalculated the total amount due(past due). Should I put down what I think I owe or leave that out for now? Part can i get a personal loan with bad credit of me feels like I should just have them correct my interest rate and monthly payment amount and see if they automatically correct the past due. Part of me thinks I should tell them what I think I owe. I sent the notice of error resolution request and SLS sent me a letter saying my account is under maintenance. Are you locked out of online account access or using this payment system? Amazingly, the errors on my account appear to have been corrected! I guess the complaint to the cfpb helped move things along. Since it has been corrected I have considered removing my cfpb complaint, but also wonder if that would be a mistake. They actually did create a new account I guess to make it easier to correct everything? Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. For new self employed businesses or income we would average the past 2 years of tax returns through payday loans vancouver b c the Fannie Mae Schedule C income calc. Depending on what you write off can affect what income we will be able to use or not use.

A new business unfortunately payday loans vancouver b c you may not be able to use the income at all. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. We wanted to find a bigger home in a better school district. We wanted to find a bigger home in a better school district. Whatever you do about buying a new house, I recommend you withdraw the rental from Craiglist, perform a rental survey (easy to do with Craigslist), then relist on Craiglist at a new higher price. Another advantage is tax savings on both properties.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any where to get a personal loan individual attorney. In regards to purchasing a new home and pulling out equity as a down payment will depend on quite a few factors. Conventional loan programs weigh more heavily on credit than FHA would. This will offset the mortgage liability and allow you to qualify for more. Be ready to provide a full year lease agreement and deposit equal to first months rent and post dated check for when the tenant will be moving in. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with interest free payday loans a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. After doing much research myself I found the best product to suit my needs and I thought I would share that with the community. This is a great program with a minimal investment and is the direction even myself have taken to allow myself the ability to get into the home without taking funds from retirement. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. We have had trouble with the contractor who seems to be slow rolling the build. Perhaps because our payment situation allowed him to obtain more loans to build other properties or for a possibly more nefarious reason. We have a 9 month contract and construction loan with a bank for which we have already had to ask a 60 day extension.