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I took a 2nd mortgage on a house in Cleveland for the down payment on my Florida home. The payment was due around the 21st or 22nd of the month, and they'd send me a statement around the 10th each month.
For 2 years, I paid the monthly payments online, before the statements came, and with some additional money toward's the principle. Then they changed their policy. Anything I would send in before the statement was issued was applied to the principle, and they still wanted the payment by the due date.
Then they started charging me late fees. It took about 3 months and 2 heated conversations with 2 different vice-presidents to get that mess straighted out.
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