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    National data posted payment late

    I know some posters have said to not worry too much about using "National Data" as an official source of information, but I am wondering about the posting of payments.

    Facts:

    Payment is due on or before the 9th.

    Sent payment by certified/return mail on 7/30/09.

    Did not receive the "green" certified return post office card showing the payment was received with a signature.

    Went online to check and it says post office made an attempt to deliver on Friday, 8/7/09.

    Then next status on usps.com/tracking, it lists the payment was received and signed on Sunday, 8/9/09 at 4:30 am. (Anybody working that early? Unless it's just a warehouse opened 24 hours.). Hmmm. Oh and my payment is now being sent to Tennessee per my trustee's last instructions.

    _____

    So for the most part, I have proof my payment was received on my "payment due date" of 8/9/09.

    I checked Nationa Data and it shows the payment received on 8/11/09.

    ________________

    Since I have proof of mailing my payment (this is why I truly believe certified-return mail is a must), should I not worry too much that National Data "posted" it 2 days later?

    Are trustees prudes if they make a big stink about a payment being late 1-2 days? (In my case, Again, I have proof - so not too worried there. )

    I know it may differ from district to district.

    Thanks for your input.
    Filed March 2009

    #2
    On two separate occasions my mortgage company motioned to lift the automatic stay because they said I was late making my payments. I sent them certified mail with delivery confirmations. It was that proof that got both motions dropped! They were taking their merry old time posting to my account.

    Always keep good records and you should be fine!

    Comment


      #3
      Originally posted by deerme View Post
      On two separate occasions my mortgage company motioned to lift the automatic stay because they said I was late making my payments. I sent them certified mail with delivery confirmations. It was that proof that got both motions dropped! They were taking their merry old time posting to my account.

      Always keep good records and you should be fine!

      Exactly! Certified-Return mail has always been a life saver. When the proof is in the pudding and you show due diligence and paperwork that whatever was mailed and MAILED ON TIME, no one can deny your argument.

      I'll pay a little bit more than a 44 cent stamp to cover my bases and cover my as*!
      Last edited by simon2020; 08-13-2009, 09:22 AM. Reason: Spelling :)
      Filed March 2009

      Comment

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