Hi! I will be the professional that will be helping you today. I look forward to providing you with information to help solve your problem.
Good morning. I certainly understand the situation and your concern. The first thing you want to do is request the payment history for the life of the loan
, from your lender. This will show you exactly what has been paid and received and what is owed. It should not be hard for them to tell you what payment was missed and if they are unable to do so, you could have a legal defense to raise, if the matter escalated. In addition, you should gather proof of your payments made and submit them to the lender, showing that they were received and applied to the loan and that the mistake is likely internal, on their end. If you are a month behind, you can certainly cure the problem by making the payment but if you have evidence to show this is incorrect, they need to change the problem in their system. If they recently made this demand, I am inclined to believe that the alleged missed payment is within the last 6-9 months, so go back and look over your banking records, to see if the payment was made and received by the lender.
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