My mortgage is due on the 1st. I was told paying a week after the 1st to match my paychecks wouldn't be a problem. In fact each and every statement has a date where if I pay after that date, I owe a small penalty but I am not reported on my credit history as late.
The past couple of months I have been getting a phone call from the loan company wanting to know when I would be paying starting on the 2nd of each month. The first couple of times I informed them that my track record of paying on the 10th or 11th for the past 24 months won't be changing, but they call every day anyway so I quit answering.
I don't want to go nuclear and send a drop dead letter (and I am not sure I am legally allowed) but I do want to convince them to quit calling me until I am actually late.
I want to write a letter, but what should I cite as the reason why they need to quit hassling me?
- I have never been late, but I have used the late charge
- I have been paying on the middle of the month for 24+ months
- I have a near perfect credit report