What Can I Do?

[itsbob]

She's a POS too unfortunately. Never use PG County realtors is all I have to say. But what if I contact Remax?

http://www.dllr.state.md.us/license/real_est/reproviders.htm State Realty Commission.. link on page to file a complaint.

 

[Suz]

Pix ... if you have the cash on hand to make the policy current, I'd do that, and then I'd sick your pitbull-like attitude on the company that was supposed to pay the bill. I know you can make 'em pay, girl. Your insurance company should then either credit your account, or refund the additional money to you.

It's times like this that Murphy likes to rear his ugly head; don't be w/o coverage if you have the means on-hand to be covered -- even though it's some other jackass's fault.

NO NO NO
This needs to be brought to the attention of whoever handled your settlement. Did you settle at a lawyers office???????? I certainly would not pay the bill a 2nd time.

 

[crabcake]

NO NO NO
This needs to be brought to the attention of whoever handled your settlement. Did you settle at a lawyers office???????? I certainly would not pay the bill a 2nd time.

If the situation wasn't remedied with a payment from someone (which if you keep reading, you'll see this is no longer the case), and the house burnt down, do you think the insurance co. would pay? No! Cuz there wouldn't be any coverage; and Pix would be stuck paying for the house that is now reduced to ashes and she'd be homeless.

 

[Steve]

Pixie, you're buying a house? I know some great neighborhoods you can look at.

 

[5857dave]

Go see the closing attorney

Find out from the people who conducted the closing what happened to the disbursements. Hard to believe that the orignial mortgagor wrote a check for insufficent funds. Besides, why were you required to pay a full years insurance at settlement? One month yes, but doesn't your mortgage include PITI? Insurance and taxes go to escrow so you don't have to worry about paying them monthly or yearly. Mind telling us who the orignial mortgage company is?

 

[pixiegirl]

Find out from the people who conducted the closing what happened to the disbursements. Hard to believe that the orignial mortgagor wrote a check for insufficent funds. Besides, why were you required to pay a full years insurance at settlement? One month yes, but doesn't your mortgage include PITI? Insurance and taxes go to escrow so you don't have to worry about paying them monthly or yearly. Mind telling us who the orignial mortgage company is?

Allied Home Mortgage. Two thumbs way down. If you read through the entire thread you'll see that the original check was cancelled and another issued. It was a mix up on the part of the insurance company. We opted to prepay our taxes and insurance for a year when we settled. I was told that it would cost extra at settlement to have them escrowed. That doesn't matter to me anyway. I'd rather pay it all at once then not have to worry about it monthly.

 

[Hot N Bothered]

I've bought two houses and both times paid the insurance company myself and had to provide proof of insurance at settlement.

A few years ago I refinanced with Allied Mortgage. It left a bad taste in my mouth. The mortgage broker seemed a little too slick for my tastes. Kind of like buying a used car from a guy in a polyester leisure suit and slicked back hair.

 

[STL_RAMS]

We opted to prepay our taxes and insurance for a year when we settled. I was told that it would cost extra at settlement to have them escrowed. That doesn't matter to me anyway. I'd rather pay it all at once then not have to worry about it monthly.

Dont people normally prepay the first year in their closing cost (for insurance and taxes), and then the escrow account is paid monthly for the following year?

 

[Vince]

Pixie, get a statement from your mortgage company on your escrow account. If you pay by a coupon book, then it should have came with your new book for the new year. You can still have them send you one and see if the money that was supposed to go in there from your closing is still there. Also, check if that money (for future use) is included in your payment. Watch out for Md. It may just be Calvert county, but they no longer send the tax bill to your mortgage company. They used to do that, but now they send it to you and you get to send it to the mortgage company. And they wait until the last minute to send it to you. Sent me mine 2 weeks before the taxes were due to get paid. Had to overnight it to my mortgage co. and they had to get it off to the county accessors office real quicklike. Personnally, I'd wait until you could find another mortgage co. where you could refinance at a low enough interest rate to make paying the closing costs worth it.

 

[alex]

It always pays to put in the contract that the deal and the price is dependent on the results of an independent home inspection. Then pay the xtra $$ to hire your own home inspector - even if you are buying a newly built home. You would be surprised what you find.

My brother is in this process and they may not buy the house they have a contract on becuase the septic is leaking and they are in a watershed. His contract states that the seller will have to reduce the cost of the house based on the estimate to repair the septic or they get can cancel the contract and get all deposits returned w/o penalty.

As for the check business I would definitely report them to the BBB, the home office of the realty company they are a franchise/branch of as well as the Realtors Association. Sometimes professional organizations have ethics boards that will take action against their members. Providing they are a member.

 

[flowerchild]

I would start here.

Why would you start here? What does their realtor have to do with the mortgage company writing a bad check 3 months after settlement?

 

[CityGrl]

PG County

There's your problem!

 

[czygvtwkr]

Flaming bag of dog doo always gets the point across