Spiraling issues with Sagicor mortgage
As declared in blast conversations, I am accepting a claiming with my mortgage provider Sagicor, whose adumbrative beatific me a letter analogue the acceding and altitude of my mortgage and statements of affairs.
The letter additionally declared that I was to pay $236,259.67 for creditor activity allowance over a three-month period.
I paid the creditor activity allowance ($236,259.67 over the agreed three-month period.
However, alien to me, Sagicor deducted from my account, for creditor activity insurance, a beyond sum than we had agreed on. They deducted $269,105.42 from my annual and this resulted in the derailment of my annual payments.
Furthermore, I afresh abstruse that my mortgage payments, which I accomplish by cheque are not accustomed to my annual on the date I accomplish the lodgement but on the date the cheques are austere by the bank. The coffer takes three canicule or added to bright a cheque so this bearings has resulted in backward fee accuse actuality added to my mortgage payments appropriately throwing the annual into arrears.
In July, 2017 I was abreast that my annual was two months in arrears, a position I couldn’t accept at the time.
I after abiding a affair (early November 2017) with the administrator who facilitated the loan. At that time I went through the payments I had fabricated and assured that the affirmation that my mortgage was in arrears was an absurdity on the bank’s part.
A aftereffect e-mail that I beatific to the administrator was after forwarded to the Bad Debt Unit.
In December 2017 I accustomed a alarm from the mortgage administration in attention to the position taken in my e-mail, and it was agreed that we would accommodated in January 2018 aback the administrator alternate to office. Because I heard annihilation added from them re a date for that affair I affected that the mortgage annual had been accommodated in my favour.
Fast-forward to June 15, 2018, on which date I accustomed a appeal apprehension for a $13,955, which they said I was attributable on my mortgage annual and which they said had to be paid in 14 days.
I anon requested from them a date that we could accommodated to altercate the bulk and the affair was set for June 27, 2018.
At the affair on June 27, 2018 I apparent the following:.
1. The bulk deducted for creditor activity allowance was not $236,259.43 as was declared in the letter, but $269,105.43.
2. A acquittal of $315,037.70 that I paid in May, 2018 was not reflected on my account
3. Their almanac showed that no acquittal was fabricated in June 2017 and that altogether my mortgage payments were four months in arrears.
This has resulted in arrears of a little over $683,000. I had to accord them a cheque for $640,000 alike admitting I told them that I had paid $315,037 in May 2018. Subsequently, I was asked to abide a archetype of the cheque for that acquittal .
I additionally submitted copies of the belletrist ambience out the sum I was to pay for creditor activity insurance.
I larboard the affair with the compassionate that they would seek to boldness this affair but was after told via e-mail that the bulk they had said I owed would stand.
Sagicor’s attitude has larboard me actual aghast and frustrated.
I am sending you copies of the e-mails I accustomed with the achievement that they will accord you a bigger compassionate of the issues.
I am additionally acquisitive that you will be able to advice me to accept my apropos addressed by Sagicor.
Tell Claudienne has been in advice with Sagicor about your apropos and agenda that you accept met with them and bound the issues.
You told Tell Claudienne on Wednesday September 19, 2018 that they accept apologised. You said that Sagicor has agreed to analyze the accounts and about-face the accuse for backward payments, area necessary.
You said the backward acquittal accuse took you by abruptness as it was not declared in the mortgage acceding that your annual would be accustomed on the date your cheque was cleared, instead of on the date it was lodged.
When you met with Sagicor on Tuesday it was agreed that to abstain backward payments you will accept to abode the cheques for your mortgage payments afore the due date or accomplish banknote payments on the due date.
It has now been accustomed that your mortgage annual was two months in arrears, not four months.
It has been establshed that your creditor activity allowance was not increased.
Sagicor told Tell Claudienne on Thursday September 20 that you will accept a letter from them advertence the credibility of agreement.
We ambition you all the best.
THE NIS AND MY ROTATOR CUFF
I had an blow on the job and was actual hurt, as I sufferred a broken rotator cuff.
I submitted an “accident on the job” affirmation anatomy to the NIS appointment in Montego Bay and was told that the affirmation was beatific to the NIS Kingston appointment for processing. I accept been folllowing up every two to three months alone to be told “these things commonly booty long, aloof accumulate checking” or “it’s still actuality processed”.
Could you attentive assist, as it has been one year and eight months aback the affirmation was submitted and I cannot appreciate why it is demography so long.
Tell Claudienne was told by the NIS that your affirmation had to be beatific aback to the Ripon Road NIS appointment for added information.
We agenda that the added advice was acquired and that your affirmation has been paid.
We ambition you all the best.
Have a botheration with a store, utility, a company? Blast 936-9436 or address to: Tell Claudienne c/o Sunday Finance, Jamaica Observer, 40-42 ½ Beechwood Avenue, Kingston 5; or e-mail: email@example.com . Please accommodate a acquaintance buzz number.
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