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When I refused to sign anti-steering form he reluctantly agreed to send me a comparison that I requested - with lender credits. But the interest rate ( not talking about the APR which I expected to be higher ) went up .25 %. The lender skirted the question when I put it to his attention that the rate with .41 points was lower on that day - and it feels to me like it is a penalty for me exercising my rights.
Lender stated ( in writing ) that he charges no processing fees. The he sent me a CD with a {$520.00} processing fee. He explained - in writing - that is is going to their 3rd party processor. But that processor is in-house! How can that be considered a 3rd party?
In determining my debt they are using second party sources and ignoring first party sources. There is incorrect student loan debt on their source and they refuse to use the original debt processor - XXXX, preferring to use incorrect secondary reporting.
While paying off minimal credit debt ( around $ 2K total ) the won't take a CRA or printout as proof but want written letters from the banks after giving me under 10 days notice to make the payments - essentially creating an impossibility - as they want something not within my control. BTW, I paid the debts immediately. I carry no other debt besides the student loans and a mortgage and have a FICO over 800. They insist that I pay down substantial student loans that are overstated - which they are or should be aware of.
Thanks for your help and guidance.
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