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The Water Cooler
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Did the Obama administration commit 'the biggest accounting fraud in history' with student loans?
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<blockquote data-quote="swampratt" data-source="post: 3268525" data-attributes="member: 15054"><p>That sucks guys. I had Wells Fargo mess up a loan I had..I did not sell my loan to them another company did that.</p><p>Wells Fargo would send out a statement 2 weeks after you had made your house payment.</p><p>It had a slip and return envelope in it to make your next month house payment.</p><p></p><p>On it were places to print out how much towards interest and how much you would like to pay towards principal and how much toward escrow.</p><p>And a total at the bottom.</p><p>I always sent extra towards principal.</p><p>I always sent in the payment early.</p><p>I put 2000 towards principal once and I was actually more than 3 months ahead of schedule.</p><p>I was making July's payment in March.</p><p>Some guy was sitting in a car out front of the house for about 30 minutes and I went and asked him if he was lost.</p><p>He asked me if I was Jeff Swisher I said Yes. He handed me a letter.</p><p></p><p>In it was information from Wells Fargo that said I was late on my house payment and they were going to foreclose on me.</p><p>Straight into the house I went and got on the phone.</p><p>Yea i was pissed I accused them of not being to do simple math.</p><p>I told them I was 3 months ahead.</p><p>Seems the 2000 extra towards principal messed them up and they told me they did not know where to put it towards the loan so all the money I had sent in since then was stopped and just sitting in limbo.</p><p>It is clearly written on the payment stub in the line that stated principal!!!</p><p></p><p>Idiots cashed those checks though. I had all documentation.</p><p>I had scratched out all the numbers and knew exactly what I owed and when I would have the loan payed off.</p><p>That was my second House 85K loan.</p><p>It as purchased by me for a rental home. It is next door to me.</p><p>It took Wells Fargo 4 months to get the numbers correct as they had tacked on late fees etc.</p><p>BS I got all those taken off and finally straightened them out.</p><p></p><p>No one would take the loan from them either I tried.</p><p>So I really pinched pennies and emptied all monies I had to pay it off. Took 5 years from start of loan and it was paid off.</p><p></p><p>I hate to buy things on a loan and the only things I have bought on a loan were houses.</p><p>Cash for all of it or I do not need it.</p><p>I fix things that are broke and do not pay people to do it for me. If I do not know how to do something I go to a library and find books about it.</p><p>We have internet now <img src="/images/smilies/smile.png" class="smilie" loading="lazy" alt=":)" title="Smile :)" data-shortname=":)" /></p><p></p><p>You will be surprised how much money you can save by fixing broken things.</p><p>From hair driers and fans to your AC and heating system..Roofing , concrete, framing ,windows, siding, plumbing , electrical, welding, engine, transmission, rearends, alignment, tire mounting etc.. if it is broke you fix it.</p><p></p><p>Basically you become a Farm boy.</p><p>They do not go to town when something needs done and they do not hire out very often.</p><p></p><p>But in order to fix multiple busted things you must have parts and my back yard looks like Fred Sanford's yard.</p><p>Always collecting free things or trash <img src="/images/smilies/smile.png" class="smilie" loading="lazy" alt=":)" title="Smile :)" data-shortname=":)" /> One mans trash you know the drill.</p><p></p><p>I still have a FREE over head shop gas heater 100,000 btu if anyone wants it.</p></blockquote><p></p>
[QUOTE="swampratt, post: 3268525, member: 15054"] That sucks guys. I had Wells Fargo mess up a loan I had..I did not sell my loan to them another company did that. Wells Fargo would send out a statement 2 weeks after you had made your house payment. It had a slip and return envelope in it to make your next month house payment. On it were places to print out how much towards interest and how much you would like to pay towards principal and how much toward escrow. And a total at the bottom. I always sent extra towards principal. I always sent in the payment early. I put 2000 towards principal once and I was actually more than 3 months ahead of schedule. I was making July's payment in March. Some guy was sitting in a car out front of the house for about 30 minutes and I went and asked him if he was lost. He asked me if I was Jeff Swisher I said Yes. He handed me a letter. In it was information from Wells Fargo that said I was late on my house payment and they were going to foreclose on me. Straight into the house I went and got on the phone. Yea i was pissed I accused them of not being to do simple math. I told them I was 3 months ahead. Seems the 2000 extra towards principal messed them up and they told me they did not know where to put it towards the loan so all the money I had sent in since then was stopped and just sitting in limbo. It is clearly written on the payment stub in the line that stated principal!!! Idiots cashed those checks though. I had all documentation. I had scratched out all the numbers and knew exactly what I owed and when I would have the loan payed off. That was my second House 85K loan. It as purchased by me for a rental home. It is next door to me. It took Wells Fargo 4 months to get the numbers correct as they had tacked on late fees etc. BS I got all those taken off and finally straightened them out. No one would take the loan from them either I tried. So I really pinched pennies and emptied all monies I had to pay it off. Took 5 years from start of loan and it was paid off. I hate to buy things on a loan and the only things I have bought on a loan were houses. Cash for all of it or I do not need it. I fix things that are broke and do not pay people to do it for me. If I do not know how to do something I go to a library and find books about it. We have internet now :) You will be surprised how much money you can save by fixing broken things. From hair driers and fans to your AC and heating system..Roofing , concrete, framing ,windows, siding, plumbing , electrical, welding, engine, transmission, rearends, alignment, tire mounting etc.. if it is broke you fix it. Basically you become a Farm boy. They do not go to town when something needs done and they do not hire out very often. But in order to fix multiple busted things you must have parts and my back yard looks like Fred Sanford's yard. Always collecting free things or trash :) One mans trash you know the drill. I still have a FREE over head shop gas heater 100,000 btu if anyone wants it. [/QUOTE]
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