That’s interesting about the original promissory note—never realized lenders could actually lose track of those. I’ve heard about people requesting loan audits to find errors, but not sure how often that actually works in practice.
Makes me wonder, has anyone had success with challenging fees or charges based on paperwork mistakes? Or is that more trouble than it’s worth?Sometimes, just being able to say, “Actually, here’s the email where you said X,” changes the whole tone of a conversation.
- Actually, I’ve had some luck pushing back on random “processing fees” that popped up out of nowhere.
- If you can point to a missing signature or a typo, sometimes they just drop it to avoid the hassle.
- Not always worth the headache for tiny amounts, but if it’s more than lunch money? I’ll dig through every email and receipt I’ve got.
- Paperwork mistakes are more common than you’d think... lenders are human too (unfortunately for us).
Ever tried requesting a full accounting of all fees and charges? Sometimes they can’t even produce the paperwork to back up half of what they’re billing. I wonder if anyone’s actually gotten a foreclosure delayed just by nitpicking these errors... or is that wishful thinking?
I actually tried that once when my old lender tacked on a bunch of “processing fees” that sounded made up. They sent me a stack of paperwork, but half of it was just copies of the same page. I pushed back and it bought me maybe a month, tops. Has anyone ever seen a bank actually admit they messed up the numbers? Or do they just keep doubling down until you give up?
Has anyone ever seen a bank actually admit they messed up the numbers? Or do they just keep doubling down until you give up?
Honestly, I think banks would rather eat a shoe than admit they made a mistake. I once tried the “prove it” approach—asked for itemized breakdowns, highlighted every duplicate page, even pointed out where their math didn’t add up. All I got was more paperwork and a headache. If you want to slow things down, here’s my go-to: request every document in writing, ask for clarification on every fee, and keep everything organized. It won’t make them confess, but it can buy you time while you figure out your next move. Just don’t expect an apology... unless you count “we regret any inconvenience” as one.