Quote:
Originally Posted by Maggy J
Make an appointment with your mortgage lender (make sure your uncle knows nothing about it)and ask them in advance to have copies of every correspondence they have already posted to your address ready for you to view at that meeting.Tell them the absolute truth that you suspect your uncle is defrauding you of your contributions to the mortgage and is there any way to leave him out of the equation such as you and your father pay increased contributions to cover what hasn't been paid.If it was me I'd have made sure I was first to the post man every time AND I'd have contacted the mortgage lender directly long before this.
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I Agree, completely, of course
We didn't know anything about it till October, because all prior mail about it, had gone "missing"
We only found out because he happened to be out that one day, when the mail arrived, which had the letter about the prior two missing/late payments.
Gonna upload a floor plan of our home, so I can explain what's been going on prior to September of last year.
My uncle spends all morning (8am till the post arrives) in the Lounge at the front of the house
During August to November time, he would actually stand in the bay window waiting for the post man/girl to come down our street and when they were 2-3 doors away, he would wait in the porch way for the post.
Sometimes, I would say, 50% of the time, he would take random items out to his car parked outside, just so he could intercept the post before it even reached the house.
We had no idea what was going on, he's always been odd (see other thread here about that)
I spend most of my time in the rear bedroom (largest room), so, I can't see when the post is coming
My dad is in the 2nd largest bedroom, so up until now, we hadn't made a point of getting the mail first, especially considering it could arrive anywhere between 9am and 1pm.
My dad's repositioned his computer desk so he can see who's coming down the road, so he now gets the post.
I spoke twice to the mortgage company on the phone and they assured me, by law, every month the mortgage payment is in arrears, a letter is sent out, we only received one (The one when my uncle was out at the time)
We also should've received two updated statements, at my request, but again, they dissapeared to.
Uncle was confronted, he claims he has no idea what happened to them, nor has he seen any statements or mortgage related items.
So, with that said, I'm going to call them first thing on Monday as you suggested Maggy to make an appointment at our local branch.