First of all, do you have this agreement in writing?
You got to make sure that you receive some kind of acknowledgment of your payments.
You can also negotiate how this is reported to the credit agencies - paid as agreed should be fair.
In the mean time, keep all of the proofs of your payments and communications with this bank.
Keep a log of dates, time, representative's names re. your communications with the bank.
Hope this helps,
Beachfront Realty, Inc.
First Weber Group
Certifed Distressed Property Expert
I have been reading lately about how banks outsource their mortgage loan servicing. I believe Wells Fargo has their own loan servicing company, but many others do not. Federal regulations allow these companies to provide you with only 1 statement per calendar year, which they choose often due to internal cost cutting. The article I attached below will offer some more insight on this and the HAMP (Home Affordable Modification Program) legislation, and may lead you to more information on your own loan servicer. Best of luck to you!
Is the loan company the one you were behind on or did someone call or contact you with other payment information? If it was the original bank, getting documents that you are paying should be very easy, I would call them immediately. There are scammers out there who are contacting people who are behind and sounding very official and getting people to pay them instead and they have run away with payments. Be very careful that you only pay who you actually owe and you do have receipt of payment.
Good luck. Janie