1 Day Late - Loan Modification Forum

trialpayments · 10-04-2009, 10:32 PM

Does anyone know if you lose the modification if your payment posts on the 2nd?

ltravel · 10-05-2009, 05:27 AM

Who is your servicer? Do you have proof that the payment was
received on the 1st? Each month I have sent mine via overnight
mail to ASC/Wells Fargo, and confirmed thru the tracking that it
was received prior to the due date. I then called and gave a rep
the tracking # to enter into the file and confirm themselves. So
even though they would not actually post the payment until
sometimes the 4th they would still confirm to me that the payment
was on time.

Don't leave anything to chance, especially with the USPS, even
my Express mail that should have been delivered on the 30th did
not arrive until the 1st.

whirlingbirdie · 10-06-2009, 08:36 AM

That is what I plan on doing also! I wouldn't leave anything to chance with this.

trialpayments · 10-08-2009, 04:02 PM

Thank you for the advice. I did call them, and they did confirm that although they posted it for the 2nd, that they did receive it before then. I will take your advice and send all payments through certified. Thanks for the reply.

My loan provider is Sun Trust.

10-04-2009, 10:32 PM	#1 (permalink)
trialpayments Junior Member Join Date: Oct 2009 Posts: 4 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	1 Day Late Does anyone know if you lose the modification if your payment posts on the 2nd?

10-05-2009, 05:27 AM	#2 (permalink)
ltravel Senior Member Join Date: Mar 2009 Posts: 66 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: 1 Day Late Who is your servicer? Do you have proof that the payment was received on the 1st? Each month I have sent mine via overnight mail to ASC/Wells Fargo, and confirmed thru the tracking that it was received prior to the due date. I then called and gave a rep the tracking # to enter into the file and confirm themselves. So even though they would not actually post the payment until sometimes the 4th they would still confirm to me that the payment was on time. Don't leave anything to chance, especially with the USPS, even my Express mail that should have been delivered on the 30th did not arrive until the 1st.

10-06-2009, 08:36 AM	#3 (permalink)
whirlingbirdie Senior Member Join Date: Oct 2009 Posts: 56 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: 1 Day Late That is what I plan on doing also! I wouldn't leave anything to chance with this.

10-08-2009, 04:02 PM	#4 (permalink)
trialpayments Junior Member Join Date: Oct 2009 Posts: 4 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: 1 Day Late Thank you for the advice. I did call them, and they did confirm that although they posted it for the 2nd, that they did receive it before then. I will take your advice and send all payments through certified. Thanks for the reply. My loan provider is Sun Trust.

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