1. In April of 2010, the association changed the HOA due payment recipient from [HOA manager omitted] to [omitted] Bank and instructed its members to make the appropriate changes.
2. In April of 2010 I made the appropriate changes in my automated bill pay account to send all future HOA due payments to [omitted] Bank.
3. In the following months (April to June), after making the changes to [omitted] Bank, I monitored the automatic payments for the first couple payments and verified there were no problems.
4. Unknown to me, some months later, in late August, [omitted] Bank began rejecting my automated payments.
5. Despite several attempts, [omitted] Bank and [HOA manager omitted] have refused all following attempts at payment.
Notification and correspondence with [HOA manager omitted] & The Law Offices of [omitted]
6. On March 17th
, 2011, I received my first notification that there was a problem in the form of a certified letter from the Law Offices of [omitted] indicating the delinquency on my account in addition with the accrual of late fees
, collection fees
, and attorney fees
. I immediately called the number on the letter but the office was closed.
7. March 18th
, 2011, I called the Law Offices again and was redirected to Mr. [omitted]’s voicemail by a secretary. I left a message indicating this situation was all new to me and that I would like to handle it immediately. I also called [HOA manager omitted]. My calls were never returned.
8. March 29th
, 2011, I called [omitted] at [HOA omitted] to determine what had happened and how to fix it. [omitted] explained to me that when the association switched the dues payments from them to [omitted] Bank, many homeowners made the payments solely to [omitted] Bank when they should have made the payments to [omitted] Association, care of [omitted] Bank. She further explained that too many homeowners made his mistake and as a result, after accepting payments for three months, [omitted] Bank decided to reject payments not made to the association. I was never notified of this change. [omitted] indicated that the issue was now out of her hands but that she could attempt to talk to the Law Offices on my behalf and would get back to me.
9. On April 11th
, 2011, after a week of hearing nothing from the Law Offices or [HOA manager omitted], I called the Law Offices again and this time was forwarded to [omitted]. I explained the situation, my attempts at contact and offered to pay in a lump sum, the past-due HOA fees and a portion of the fees but that I would not pay over $1000 in fees for a problem I was not aware of, was not informed of on an account that was receiving payments that were being rejected. She was extremely rude (I later found out she had lost someone in her family). She first asked why I contacted Mr. [omitted] and not her as he was away from the offices handling depositions and did not respond to voice mail. I told her that I simply called the number in the letter and asked for the name that signed the letter, [omitted]. She then went on to explain that I needed to be an adult, indicated that she would look into my case and call me back by Thursday, April 14th
. Thursday came and went with no call and I forgot about the whole situation as I planned for my bachelor party and wedding.
10. Twice in May (once on the 20th
), I called [omitted] and received no response.
11. June 7th
, 2011, I received a letter from the Law Offices indicating a lien had been placed on the property and that the attorney fees had been increased. I would like to stress that while the Law Offices were unable to field my attempts at contact due to absence, they were still able to file the necessary paperwork that would justify them billing me more fees.
12. June 9th
, 2011, I called the Law offices and connected with [omitted]. This time she was extremely friendly and nice. I told her of my previous attempts to contact her and she indicated that she had suffered a death in the family and was unavailable. I then explained the situation, she apologized, gave me her personal cell, agreed to work with me to settle the issue and would contact the HOA. She also indicated that a payment plan could be made. The next day [omitted] called and indicated that the HOA would forgive $179 in fees, I asked about the collections and attorney fees and she indicated that nothing could be done there. I told her I would crunch numbers and think about it.
13. July 18th
, 2011, Carol called and left a message indicating that the HOA board of directors agreed to forgive $389 of the late fees if I could start making payments immediately but that they could not do anything about collections or attorney fees.