Kaiser said:
Sounds to me that one department doesn't know what the other one is doing.
Kai
Although what we are going through is not nearly as scary as your situation, I am going through an information problem as well. Our mortgage company was supposed to have been paying our insurance for years now, at one point we switched the policy on the house but as far as we knew there was never any problem as we went through the same carrier, they made the new policy, sent it to the mortgage company and both the broker and company assured us it had been set up for an escrowed account.
Last year about this time I remember going through this song and dance where they tried to charge us for coverage using their carrier (policy was like 3x what a normal policy is) and we called in and they refunded us the money because after digging we found they did have our policy on file....fast forward a year. They did the same thing.
So I start wondering what the heck is going on, I call in and come to find out that basically they have neglected to pay our insurance (the company even has copies of the original bill, late notice and cancellation that they sent the mortgage company) since back in '06. And they also have it stating that the policy is to be payed from escrow. They are claiming that they never got billed.
What that boils down to is there was a period of time where we were
uninsured and not of any fault of our own. Now though, they are still trying to give us the run around....hopefully, prayerfully they'll refund us so that our escrow isn't obscenely negative (they charged us for the time period that they claim we were 'uninsured' when it was their own negligence!)
So I feel for you. It is a scary place to be in when you are dealing with companies/institutions where one hand doesn't let the other know what it is doing. And you'd think that in this day and age of "information technology" they'd have this all sorted out. Bah. I think there are software errors that are going to cause some really bad problems and have done so already. The problem is, they always throw the ball back in your court 'cause you're the little guy. If my mortgage carrier screws me on this, I am seriously thinking of finding out what can be done legally, on the basis of principle alone.
And what really annoys me is this. Don't these people have a friggin phone? I know I do. Why wait till way over a year later to tell me about a problem as serious as this???