Mortgage payment lost in mail
The frustration of a missing mortgage payment!
If you've lost your mortgage payment in the mail, don't panic. Here are some steps you can take to resolve the issue:
- Contact your lender: Reach out to your mortgage lender's customer service department as soon as possible. They may be able to provide guidance on what to do next. You can find their contact information on your mortgage statement or online.
- Check your account online: If you have online access to your mortgage account, log in to see if the payment has been processed. If it hasn't, you can try to resubmit the payment or make a new one.
- Resubmit the payment: If you've already mailed the payment, you can try to resubmit it. Make sure to use a trackable method, such as certified mail or a courier service, to ensure it reaches the lender.
- Make a new payment: If you're unable to resubmit the original payment, you can make a new payment. You can do this online, by phone, or by mail. Be sure to include your payment coupon or account number to ensure the payment is applied correctly.
- Check for late fees: If your payment is late, you may be charged a late fee. Check your mortgage agreement or contact your lender to see if there are any late fees associated with your account.
- Consider a payment extension: If you're unable to make the payment on time, you may be able to request a payment extension from your lender. This can give you more time to make the payment without incurring late fees.
- Keep records: Keep a record of your attempts to contact your lender and any correspondence you have with them. This can help resolve any disputes that may arise.
Remember to stay calm and patient when dealing with a missing mortgage payment. Your lender is likely to work with you to resolve the issue and get your payment processed.