You need to contact them again, have your authoriazation in hand, ask them for a fax you can sent it to immediately. Otherwise your husband needs to get on the phone. They should simiply be able to print out your account payments or email it to you, if they refuse simply ask for a supervisor. As far as overpaying, they may be applying money to late fees or foreclsoure costs and teh money is not being applied to your payments. You can also try and ask for the home retention department, they are not collectors so you will get a different response. They are nicer. Ask if they can help you. Remember no matter how you feel, you have to be nice if you are to get soemone to help you no matter what collections have done in the past... more
Hi Hrisi, there was actually a very similar question posted the other day about exactly this! My response: "When calculating your total financial liabilities with your home here, we generally use an estimate of 0.35% of your purchase price. So for example, if you are buying a home for $300,000, then your annual insurance premium will be around $1,050 or $87.50 per month. However, keep in mind these are just estimates. Depending on which insurance company you decide to go with and whether you want additional coverages, your insurance premium could be higher or it could be lower.
Try giving your local insurance companies a call to get quotes. Make sure to remember to give the insurance company that provides you auto insurance or any other type of insurance as well, since they usually provide existing members discounts when adding other types of insurance policies with them. If you don't have the time to research and shop the rates, try contacting a local insurance broker who can find quotes for you. Keep in mind though that there are certain insurance companies that do not work with brokers so you may be missing a couple companies when going through a broker. Good luck!"
If you would like to read some other responses posted, please click on the link below. It leads you to the other Q&A.... more