Reply #1: Amazing how many times you have to threaten legal action

[hobbit709]

just to get some outfit to do their job.

A friend had to deal with their mortgage company that way. they were cashing the check on the 5th and not posting it until the 16th so they could charge a late fee. After several arguments with them she started sending the check Registered Mail-return receipt requested. For two more months they still tried the same scam.
When she informed them that she was going to the Attorney General's office with the information they suddenly refunded her late fees and she never had another problem with them. Who knows how many other homeowners were getting the same treatment.