Trial MHA payment and a local branch

[sanny]

I paid my first trial payment with western union, but this month can`t quite afford the fee.
I was wondering if i can make a payment at the local branch.? I don`t have any payment coupons and we are under Making Home Affordable program, so what would i take with me in order to pay?

Thanks everyone!

[hope67]

Originally Posted by sanny

I paid my first trial payment with western union, but this month can`t quite afford the fee.
I was wondering if i can make a payment at the local branch.? I don`t have any payment coupons and we are under Making Home Affordable program, so what would i take with me in order to pay?

Thanks everyone!

sanny, if you don't have an old coupon call the local bank and they will tell you what they need to process your payment. BTW, I was told that paying at a local bank could take a week or possibily more for the payment to post to your account (they could be wrong, so maybe you need check it out just to make sure). Anyhow, just make sure that you have enough time before the due date.

[sanny]

Do they charge any fees for paying over the phone?

[Confused!]

I was also told this morning that it was best to call in a payment rather than pay it at the branch. The rep said they should be waiving the pay by phone fee since it is a trial period payment. Sucks because I really wanted to pay mine at the branch so I could have that receipt in hand, but now I am scared to.

[hope67]

Originally Posted by sanny

Do they charge any fees for paying over the phone?

I paid my first payment by phone, they charged me $20.00, she refused to waive the fee. Next time if they refuse to waive it I will ask to speak to a supervisor.

[hope67]

Originally Posted by Confused!

I was also told this morning that it was best to call in a payment rather than pay it at the branch. The rep said they should be waiving the pay by phone fee since it is a trial period payment. Sucks because I really wanted to pay mine at the branch so I could have that receipt in hand, but now I am scared to.

Confused, did you actually make the payment by phone and did they actually waive the fee?

They will give you a confirmation number when you pay by phone. So you do have proof of payment. I usually follow up to make sure the payment is in their system.

[sanny]

Well i just called BofA to see about the payment, and i must say they`re more confused that ever. when i called yesterday they showed my first trial payment as posted on August 1st, even though we sent it on 14th.
Today he tells me it`s my first payment and he can`t process it over the phone, because it has to be certified or western Union-ed.
i told him it`s our second payment, he puts me on hold, and then he says that he sees that our first payment posted on July 27th. I didn`t even have the package from MHA yet on july 27th!!!!
So all in all, their fee is 12.00 to take payment over the phone, so i told him no, i`d rather pay for western union and have reciept in hand that proves 100 % i paid!
I guess 12.00 is today pay-over-phone going rate... Grab it while you can, cause tomorrow it just might go up. Ridiculous.

[Garry]

I pay by check at the bank. All you need is your account number. I haven't had any problems with payments posting and I've made two so far.

[sanny]

I wish i could pay at the bank. I live across BofA and i`d be more than happy to skip Western Union fees.
But some people here say that it takes days for them to process in-branch payment, which i don`t understand at all. I wouldn`t like to be late on my trial payment...

[Garry]

All I can tell you is my payments are showing on the BOA/CW website and the dates are correct.

[Garry]

Originally Posted by Garry

All I can tell you is my payments are showing on the BOA/CW website and the dates are correct.

Actually I just double checked my account and I am wrong about the posting dates, you had better do what you think is best for you.

08/21/2009 03/09 Misc posting	$744.00 $0.00
08/20/2009 03/09 Misc posting	$744.00 $0.00

I made my first payment on 7/22 so it did take time to post. I made my second payment on 8/20 so it posted right a way it looks like. I still have a reciept for the first payment if they gave me any grief, but they haven't.

[hope67]

Originally Posted by sanny

Today he tells me it`s my first payment and he can`t process it over the phone, because it has to be certified or western Union-ed.

OMG!! I paid my first trial payment over the phone, no one said that it has to be certified. I hope they didn't mess it up!!

Originally Posted by sanny

I guess 12.00 is today pay-over-phone going rate... Grab it while you can, cause tomorrow it just might go up. Ridiculous.

This is so strange!! Can't they make up their mind?! The over the phone fee used to be $12.00, then they changed it to $20.00, so did they change it back to $12.00?!! What a mess!

[Garry]

Don't worry about it Hope, I payed by personal check. According to what I read you can make the payment the way you always have. For me, that would be a personal check paid directly at my local bank. That's what I did, everything is fine. That BofA website is a joke also, I was told not to use it and to rely on calling for updates.

[SherriV]

I made my first payment 2 days ago for my Sept 1 payment. The documents indicate to pay the way you would normally pay. I wanted to verify that so I called the Hope Team and they confirmed that...twice. I then called the Home Retention Dept to see what they would say and they suggested sending certified funds only so that you have absolute proof of the payment made. They discouraged online banking for whatever reason, but said again it was always to safeguard us against a lost or misapplied payment. They finally offered me to pay over the phone with no fee because we were in trial mod. I would call that department again and if you're not satisfied, do what makes you feel comfortable.

[Confused!]

I paid this morning on the phone with no fee...didn't even have to argue with them about it!

[caramellhoney]

I have paid my mortgage at the local branch without a coupon. But the second time I went back this month to do it at 2 different branches they both required a coupon. Now i just use the bill pay online ( i have BOA checking). And it went in a less than 3 business days. I wonder if it will work when I start making my mod payments?
Anytime you call in to make a payment they usually will NOT WAIVE the 20$ fee, no matter how much you complain.

[hope67]

Originally Posted by Confused!

I paid this morning on the phone with no fee...didn't even have to argue with them about it!

Thanks, that's good to know. I really should ask them to refund me the $20.00 telephone fee they charged me!

[sanny]

I made my payment with Western Union yesterday, just like last month. i wanted to have that little piece of paper as proof. When i called BofA with confirmation number, they already had pending payment from western union, so that way i know it`s gonna post same day. We do live paycheck to paycheck, so i can`t afford to pay my morgage 2 weeks earlier, in order for my payment to be there on time.
They weren`t willing, however to lift a fee for pay by phone.
I hope once they do loan mod, we will be able to pay our bill online like before, with no fees.

[hope67]

Originally Posted by sanny

They weren`t willing, however to lift a fee for pay by phone.

When did you ask them to waive the pay-by-phone fee? "Confused said they didn't charge a fee.

[sanny]

I asked them when i called on Thursday. She said that there is a fee of 12.00, i asked if they can forget about it, and she said no. I am not very skilled when it comes to begging, so maybe if i was more persistant, she`d say yes. I just figured that i might go and pay 12.99 at Western union and have proof on hand. next month i`ll have my husband call and ask about free pay by phone. He`s better at things like that. Maybe it will work.
Oh, by the way, when i called them yesterday to give my confirmation number, i told her that i`ve heard that there shouldn`t be a fee for pay-by-phone while in trial period, she said it wasn`t true. So i guess, it depends on the customer srvice rep, really.

[Confused!]

Are you calling 800-669-0102? I just told them that I was calling to make a payment, and that the HOPE team had told me that they would waive the pay by phone fee since I was locked out of my online account. Like I said, they didn't even argue with me about it at all, they just said ok and took the payment.