We had a home equity loan on our condo that was sold and closed on 8/18/06. Just yesterday, we received a PAST DUE NOTICE to Wachovia saying they didn't get last months payment, nor Novembers (due the 4th) its now the 22nd. We never received any "Bill" from them in September, October or November except for this now Past due notice. They stated they received a payoff (in the amount that was quoted to the LAWYERS) amount but it didn't suffice the amount that was stated to the closing lawyers (Well don't you think if it was a PAYOFF amount, that if it didn't meet the amount that was quoted, you could pick up the f&cking phone and call us) so needless to say our "payment" is now delinquent, we are in collections for a freaking measly 400 bucks and it has been reported to the credit bureau's. So basically we're getting a$$ raped because of their processes and errors and are NOT working with us to rectify the situation.
SO FCUK THEM!