Living Car Free - Car Finance Company Woes! Car Free Soon

I have a car. Never late. Usually overpay. Recently, the company was sold. I received notification only because I logged on to the website and the company info changed. I made the payment and thought no more about it.

Three days ago, I received at least 10 calls. After work, I returned the call. It is the "new car company." Apparently, I owe $1800+ in car payments. For months someone else's car payments were made to my account. Those payments were rescinded. I have print statements from the company stating my next payment was not due until August and I was current. They are now accusing me of intentionally not making payments. Apparently, the error was just noticed within the last month. Noone called and the rescind of payments now has me grossly overdue. Even though I have been making payments all along. The bottom line: I dont have $1800. I have contacted my bank and have an appointment for them to do "research" on all of my payments. The new car company's contention is that I should have known I wasnt making the payments when the balance was decreasing and I should have called them.


Truthfully, I just pay the bill. I rarely look at the balance, or payment history. I never keep bank statements, or print them out, or get confirmation numbers, or keep records of payments. I am totally paperless in all of my bills. I do have a recent print statement from the new company stating I was current. When I pay my bills, I click the website, make the payment, see when the next payment is due and log off. When I went to the website, it would state--my next payment was not due for some time because of my consistent overpay.
My credit in has tanked from 700 to 510. I will never finance another car. I have no plans to ever own a home. I only have a checking account because my careers demand direct deposit.

Apparently, quite soon I will be car free because the car is going to be repossessed.

So are you complaining, celebrating or asking for advice about getting along without a car?

Seriously, this could be one of the best things that ever happened to you--you ditch your car and yoou learn to pay a little closer attention to your finances.

What do you think? Smart guy. Figure it out. Do you always have to be so rude oh yeah-- your name.

What do you think? Smart guy. Figure it out. Do you always have to be so rude oh yeah-- your name.

Sorry--I didn't mean to be smart or rude. I just wondered what kind of response you are looking for, since it wasn't clear to me from the OP. And I was perfectly serious when I said it could turn out to be a good thing for you. At least I hope it will turn out for the better, once you've had some time to deal with the shock.

And why do you have to be so bad all the time? Oh yeah.... :p

:)

The story is a bit confusing. If you have been making payments from your checking account to the car finance company, If someone was making payments to your account, it is likely you were paying off someone else's account.

Sounds like pretty bad accounting.

You bank should have records and this will help you if you need to take it to court.

LOL@Roody. you are forgiven--

Yes, I am confused. I was making payments. My payments were often overpayments. In the meantime, 3 payments were made totaling 1800. They were credited to my account but pulled from someone's else's checking account.

The car company wants me to pay the charges, interest, plus overdue payments and blame me.

I dont understand how 3 payments were made to the wrong account from the a different checking account in a 6 day time frame.

I do not have nor am I going to pay the money they are requesting. They can come get the car as far as I am concerned. Its their fault. I never noticed the error because my statements said I was way more than current and my next payment wasn't due until August. Since I overpay anyway, I thought nothing of it.

I just find it interesting how often banks and credit card companies have so many errors and when they find it they blame the consumer.

BadBoy, you probably can't afford a lawyer, which is another way finance companies get you--they have a thousand lawyers and they know most of their customers can't even afford one. but many lawyers will give you a free consultation, and they will write a letter for maybe $75 to $100. Or find a consumer protection organiztion. You would probably be covered by the new laws, but I don't think they've gone into effect yet.

Could you sell the car for more than you owe? Would that be an option?

Obviously I know very little about auto financing--I'm just trying to think of some options that you can research. Doing nothing might lose you a lot of money, and it might adversely affect your credit rating. Now, if you do lose the car--I (and many others here) can give lots of great advice about how to survive and even thrive.

I'm still confused. The OP made payments but where did the funds go?? I'm concerned because once the car is sold, he will have alot of money left to pay! The auto company is insured so they don't lose out. However, the collectors will forever be after the OP to pay the rest of the money

The dealer is claiming the OP did not pay a dime and the electronic funds were not extracted from his account but from someone else's? This is strange.

The OP gave all of us another reason why we need to remain car free. Over the years, millions have gone bankrupt because of car loans. Even though the OP has no intention of buying a car or a house, bad credit history can effect his abiltiy to find a new or better paying job!

I guess there are a dozen reasons why it's okay to use credit, but in my mind there's one big reason not to: borrowing money from other people gives them power over you.

Your bank will keep your electronic records for one year. If the problem happened within the last year and you made payments every month, just show the company your records. Tell them to straighten it out. In addition you must require that they post a note to the credit bureaus stating their mistake and that you did make all of your payments. If they refuse you can get a lawyer and sue them. A contingency lawyer might take the case if you can show him proof you made the payments. Lawyers won't take contingency cases unless they are sure they can win. Otherwise they charge an up front fee of several thousand dollars just to take the case.

The attorney can also get an injunction against any repossession orders.

BB10, set up camp at your bank -- their records will help you resolve this. Not only will they have the transaction records of when you made all these payments, they will have the canceled checks! So let the car company coma and get the car -- they'll also try to come and sue you for any shortfall, at which time you can countersue, bring all those records, and "become part owner" of the car company that's trying to screw you.

The OP gave all of us another reason why we need to remain car free. Over the years, millions have gone bankrupt because of car loans. Even though the OP has no intention of buying a car or a house, bad credit history can effect his abiltiy to find a new or better paying job!
Baloney. The reason people go bankrupt on car loans is because they are irresponsible right at the start, often over-extending themselves financially, or not plannning ahead enough to take into account contingencies because of changes in circumstances. Millions of people have successfully paid off their car loans and everyone is happy.

Your argument is like saying millions of people have gone bankrupt because of housing mortgages or business loans, and I bet you aren't advocating everyone use that as a reason to go house-free or never go into business.

I think that as long as you have documentation that you have been faithfully paying the amount specified originally in your contract, a talk with people of sufficient authority will resolve all.

I'm still confused. The OP made payments but where did the funds go?? I'm concerned because once the car is sold, he will have alot of money left to pay! The auto company is insured so they don't lose out. However, the collectors will forever be after the OP to pay the rest of the money

The dealer is claiming the OP did not pay a dime and the electronic funds were not extracted from his account but from someone else's? This is strange.
Very strange. My sense is that the OP is not telling everything or he is as confused as his payment history (or lack of such.)
"Truthfully, I just pay the bill. I rarely look at the balance, or payment history. I never keep bank statements, or print them out, or get confirmation numbers, or keep records of payments. I am totally paperless in all of my bills."

How/why exactly did an alleged college grad "just pay the bills" and have/keep no records of it? I smell an attempted scam outed by the finance company.

ILTB might be right here, unless this is the finance company is a total disaster. Does this finance company have a name?

Dear EVERYONE:

Thank you for your responses. Yes, I am faxing my final correspondence to them to day. I will be contacting an attorney. Please be careful with online banking especially with company's that store your checking account information. :(

Dear I Like To Bike:

You are wrong. There is no scam. I have not left anything out. I have told as much as I know. Frankly, the company has not revealed very much. I have no interest in screwing up my credit unnecessarily. In any event, apparently, you did not read my post. An error on their part --apparently is my fault. This is what I resent. This company called me kvetching quite nastily about something that is their fault. They have not acknowledged fault. Nor has anyone in management called to offer or an apology or explanation. They have demanded I pay $1800, $1600 etc.

AGAIN-RECAP

EVERY month I overpay. The payment is $369. I pay $400-700 depending. I click on Pay Bill. I make the payment (debited via my checking account) and I log out. Yes, I am a college graduate. I fail to see the relationship between this issue and my academic scholarship. No, I never bothered to view the payment history. As long as the balance was decreasing--and it did.

There apparently was a merger. I never received notification. I went to my old company's website and there was a new company logo prompting a log in. I logged in and paid what the stated payment for this month and clicked out. The new company is Santander Consumer. I NEVER had a problem with the other company. The other company was completely paperless. In three years. There was never an issue.

Last week, I received a call. The call contradicted the paper statement I recently received from the new company. Santander claims in a small time frame THREE separate payments were made to my account from someone else's checking account. Apparently, the person called in and the payments to my account were rescinded. In the meantime, I am now supposedly 52 days late.

The scam is this company hires village idiots to do their billing. I do not understand how someone can make the same mistake three times in such a small time frame. I also do not understand how they claim to now be paperless and cannot provide my three year payment history. I also am unclear how someone making payments to via their checking account provides my account number three times. Or vice versa, how does a customer service rep make the same mistake three times?

If they come and pick up the car. So be it. I am not paying via online banking ever again.
I am getting more lights put on my BadBoy Cannondale and preparing for the inevitable.

It is what it is.

This post was to really let consumers know to be careful of online bill pay and to reiterate the importance of paying cash. And to chronicle my advent into car freedom.

Not sure how your mind has developed scam because I am unclear why I would jeopardize my careers (teacher/librarian) to pay bills out of someone else's bank account. I guess it happens but I haven't the time or inclination to do such a thing.

If you paid the finance company from YOUR own checking account, electronically or by paper check, YOUR bank would be able to document such payments and who received the payment, electronic or otherwise. If YOUR bank has no record of YOUR alleged payments from YOUR account, there isn't anyone who is going to believe your story of on line payments discrepancies or your excuse that it must be somebody else's fault that you never (or are incapable) of keeping track of YOUR own checking account. If balancing/reconciling a checking account is too difficult I suggest you have somebody competent handle your finances.

One thing to note, you say ou log in to the loan company web site and pay, don't do it that way, always pay through your bank's bill pay, i.e. push the payment from your bank to them rather than let somone pull from you. If there is ever a problem your bank will be on your side and can send proof of payment to whomever you were paying. If you let the other company pull from your account its a lot harder to show proof since all you have then is the account register and those pulls are no differnet than any other pull such as from an ATM or resturaunt. Its also a lot easier for those companies to put in fine print allowing them to make recurring debits and such if you allow them to pull one.
Something I learned recently too, don't finance though a bank, go find a credit union. Banks looked ay my perfect credit score and approved me for Mercedes/Lexus loan numbers then when they found out I was buying an older used truck denied the loan. A credit union is usually non profit so they are happy to take just about anything.

*sigh* Dear Dear I Like to Bike: *sigh* Again, the post was really about the dangers of online banking, car finance companies (how in a company merger--billing problems can occur and the consumer is blamed). And if you are car free how blessed you are not to worry about such things. The post was not intended for you to use (as you usually do) this as an opportunity to kvetch about your perception of my financial acumen. I cant confuse you with the facts. I never said I made the payments. I said the payments were made in error and in the interim of the company merger my account became delinquent. But hereagagain, you insist on making this personal. But I have read many of your posts--you are typically critical and quite self-righteous and nasty. For no other reason than I guess because you can. I know you are perfect. So it is well. Like identity theft until it happens to you--it is quite easy to judge

Wait a minute,this isn't a danger of online banking, online banking is much safer than paper bills and checks being mailed. This is a danger of allowing another company access to pull from your checking account, this can be online or offline, via filling your account into into a piece of paper and mailing it. You can have the same issue with the electric company, gas company, etc. I had to fill out (offline paper) to allow my son's preschool to withdraw from my checking account so the same danger lurks there as well, which is why I prepaid next year so I'm not authorizing them to make a debit.

Wait a minute,this isn't a danger of online banking, online banking is much safer than paper bills and checks being mailed. This is a danger of allowing another company access to pull from your checking account, this can be online or offline, via filling your account into into a piece of paper and mailing it. You can have the same issue with the electric company, gas company, etc. I had to fill out (offline paper) to allow my son's preschool to withdraw from my checking account so the same danger lurks there as well, which is why I prepaid next year so I'm not authorizing them to make a debit.
I agree 100%

Paying bills online via your checking account IS online banking.
It is not 100% safe. Nothing involving online is 100% safe.
You are of course entitled to continue to think so but I ------

I do not agree.

What you did wasn't truly online banking, if you paid the bill via your bank it would be, i.e. push the payment from your bank to the car loan, going the other way isn't, its like hanging your checking account number to the person at mcdonalds. I'll agree that the method you used is unsafe.

Wait a minute,this isn't a danger of online banking, online banking is much safer than paper bills and checks being mailed. This is a danger of allowing another company access to pull from your checking account, this can be online or offline, via filling your account into into a piece of paper and mailing it.

No I think this "danger" was of a person thinking that mistaken payments made into his own account from someone else will never be corrected and getting bent out of shape when presented with the bill that he should have been paying all along.

No one stole the OP's identity, he was "borrowing" someone else's account/identity as long as their paymentswere mistakenly being credited to his account.

No I think this "danger" was of a person thinking that mistaken payments made into his own account from someone else will never be corrected and getting bent out of shape when presented with the bill that he should have been paying all along.

No one stole the OP's identity, he was "borrowing" someone else's account/identity as long as their paymentswere mistakenly being credited to his account.

As was pointed out to you before, the OP says that he was making payments--overpayments, in fact--on tme every month.

How do you borrow someone's account? Sounds ridiculous.

Good luck, Bad Boy.

As was pointed out to you before, the OP says that he was making payments--overpayments, in fact--on tme every month.

Read his latest version in msg#21:
"I never said I made the payments. I said the payments were made in error and in the interim of the company merger my account became delinquent."

Let's all guess who made real honest to gosh payments and who was getting a credit freebie for awhile and though the good times would last until he took title without paying for it.

Let a smart college boy or a car free financial wizard explain away the confusion.

EVERY month I overpay. The payment is $369. I pay $400-700 depending.
...

Not sure how your mind has developed scam because I am unclear why I would jeopardize my careers (teacher/librarian) to pay bills out of someone else's bank account. I guess it happens but I haven't the time or inclination to do such a thing.As a teacher librarian you are a surprisingly poor communicator, since you haven't helped us all understand exactly what happened.

If you paid the usual monthly bill plus extra every month, and someone else also paid $1800, then your account should be overpaid, and even if they take back the $1800 you should be in the black with no worries.

If you logged on and found your payments were suddenly much less than expected, or weren't due for a while, because unbeknownst to you, someone else had paid your bills, and you paid the lower amount or delayed your payment without questioning it, then you underpaid, and when they discovered the error they were right to ask you to catch up on your share. All you can really do in that case is ask them for extra time to pay what you actually owe.

How do you borrow someone's account? Sounds ridiculous.

Good luck, Bad Boy.

"Borrow" was putting a kinder, gentler spin on the activity of not reporting someone else's account mistakenly being tapped to pay for the OP's car.

As a teacher librarian you are a surprisingly poor communicator, since you haven't helped us all understand exactly what happened.

If you paid the usual monthly bill plus extra every month, and someone else also paid $1800, then your account should be overpaid, and even if they take back the $1800 you should be in the black with no worries.

If you logged on and found your payments were suddenly much less than expected, or weren't due for a while, because unbeknownst to you, someone else had paid your bills, and you paid the lower amount without questioning it, then you underpaid, and when they discovered the error they were right to ask you to catch up on your share. All you can really do in that case is ask them for extra time to pay what you actually owe.
Well I'm glad to see that I am not the only one who can add 1 +1 and figure out that it equals 2.

"If you paid" and "someone else had paid your bills, and you paid the lower amount without questioning it" are the key phrases. Why would anyone besides group hugging comrades believe that a person with no receipts, no cancelled checks nor any other evidence of payment is being robbed by the mean ol' finance company?

Baloney. The reason people go bankrupt on car loans is because they are irresponsible right at the start, often over-extending themselves financially, or not plannning ahead enough to take into account contingencies because of changes in circumstances. Millions of people have successfully paid off their car loans and everyone is happy.


If you look at the OP, he was not irresponsible right at the start. While he did make a mistake in not balancing his checkbook, we've all done that at times. (I never balance my checkbook). Yet, buying a new car today practically requires you to overextend yourself since almost all new cars are financed.

You don't have to be irresponsible at all. Just lose your job through a layoff, suffer some health problem get divorced and you could end up broke having to declare bankrupty.

I think this is two issues:

1) BB made online payments to pay his car.

2) Someone else's payments were debitted to his account in error.

If I'm getting this right the car finance company (which is now a different firm) believe BB is now short 3 payments (because in the interum there were 6 payments made in total on the loan) instead of being recognized as a posting error by the finance company.

BB needs a statement of account from the auto loan people and a list of withdrawals from his bank. Send the loan people a copy of each highlighting his payments fro the bank as well as highlighting his payment in his loan statemen of account. For good measure add a photocopy of your car loan agreement showing the due dates for the monthly payments. These should all line up nicely and prove you are a good client.

Good luck.

BB needs a statement of account from the auto loan people and a list of withdrawals from his bank. Send the loan people a copy of each highlighting his payments fro the bank as well as highlighting his payment in his loan statemen of account. For good measure add a photocopy of your car loan agreement showing the due dates for the monthly payments. These should all line up nicely and prove you are a good client.


Given that the OP has written that he can't document anything about his own finances, what will an inability to document any payments from his bank to the finance company prove?

You don't have to be irresponsible at all. Just lose your job through a layoff, suffer some health problem get divorced and you could end up broke having to declare bankrupty.
Of course none of those scenarios or anything remotely similar appear to be the reason for the OP's situation with the finance company.

I don't understand the difficulties in documenting... I'm as paperless as anyone, but if needed, I can print all my account transactions about 18-24 months back from my bank's Internet system. If that isn't good enough, I can always ask the bank to produce the same documentation on their letterhead, and for a considerably longer period of account history. They'll charge me a fee for that, but still - the information is there.

Of course, if OP didn't make the payments but "borrowed" someone else's, then it's not a documentation problem.

I've authorized automatic withdrawals for most of my recurring bills. Even though it's automatic, I still receive the bills a couple of weeks before the actual transactions are made, so I have time to react if something seems out of order. It's more secure than paying with a credit card.

--J

Given that the OP has written that he can't document anything about his own finances, what will an inability to document any payments from his bank to the finance company prove?

He can request a statement of account from the loan finance company and he can request a statement listing from the bank. Both can easily print them out and mail to BB -- the loan finance company should be free but the bank may charge a small fee for the statement.

I agree that BadBoy hasn't been 100% clear, but I don't think there is evidence that he has been dishonest per se.

He makes payments
He usually pays more than the minimum
He logged on the past few months and saw nothing due, assumed it was because of over payments

That is what I have read...
Although with almost any loan, anytime you pay more than the loan payment, it just goes to the principal, not towards future payments. Your loan gets smaller, but you still have to pay at least the minimum the next month.


I had a similar situation in the past where Bank of America bought out the small CC I had. I made my payment online... A month later I get a letter stating I have broken my terms and that my finance rate was going up 20% for missing a payment. I at that point never kept the "confirmation" numbers and I didn't look at my bank account all that often. According to my register I paid it and I just saw that money as gone.
In researching it the money was never taken out, but the day I recorded making the payment just so innocently happened to be the same day BOA took over and switched the old CC companies website to theirs. :rolleyes:
I now keep all confirmation numbers etc... and keep a better eye on my bank account.

To those that understand. I am so glad EVERYONE is not so suspicious, so willing to attack, so easy to condemn. Thank goodness you are not GOD I Like to Bike. But as stated before: I know you are perfect in every aspect of your life. Whoever else that has used this as an opportunity to look for a reason to accuse and make personal attacks. My profession has nothing to do with what I have stated. You are exactly the reason, readership has declined on this forum. Because you are so suspicious and nasty! Posters like you have turned a lot of people away--as soon as someone posts something you are there jumping in with your negativity and nastiness. People ought to be able to post anecdotes they think will be helpful without your ridicule, suspicioun, personal attacks and berating. I mean you are downright disrespectful. And there is no excuse to be so hateful. To make matters, worse, when you read other people understood what I wrote and were offering helpful advice not only did you do your best to continue to throw paper on the fire in hopes of proving that I tried to do something fraudulent and got caught--you instigated others to do the same. You act like wolves circling prey. Frankly, you ought to be ashamed.

I am a new member to this forum. Your etiquette has not been very welcoming. And I do not appreciate your disgusting accusations.


If there was contradiction in what I wrote it certainly was not my intention. I have no reason to lie about something so serious. I was hoping to help someone and be a reminder as to why it is important to pay close attention to accounts. Coincidentally, I posted this identical information in another forum. I have received emails from other customers discussing errors and problems with the new company. Everyone else was grateful for the reminder to CHECK YOUR ONLINE BILL ACCOUNTS!

Nothing more. Nothing less.

I used to be very excited about reading the information and anecdotes in this forum.

Oh well, I refuse to allow your continued maliciousness to ruin my experience.

Next.

Whoever else that has used this as an opportunity to look for a reason to accuse and make personal attacks. My profession has nothing to do with what I have stated.

Since I'm the one who mentioned your profession, I assume that comment was for me. Sorry, I guess I was a bit harsh, but I also note how aggressively you reacted to Roody's initial rather innoccuous post, so perhaps it's that internet thing where we come on a bit stronger than we do in real life. In fact, yours was the first personal attack in the thread

Be that as it may, it's not an oxymoron in this electronic age to be a paperless librarian, however it would be a bit absurd to be a recordless librarian. And the same holds true in your personal life. You 'll do yourself a favour if you take more responsibility for monitoring your own finances: When you make an online payment, note the reference number or save a screen shot or pdf or html file of the transaction, both for your own budgetting purposes, and as a record in case some financial institution puts you through the same rigmarole again. If you don't look out for yourself, they sure won't. If you had all the records ready to plop down in front of them it would make it a lot easier to sort this out.

It sounds like you underpaid what you owed them because they told you payments weren't due, as the other party had inadvertenlty paid. So you got a payment holiday you didn't deserve. Now that the error is uncovered, you still owe them that money. About the strongest argument you have is that they shouldn't charge you a penalty on top of back payments if it wasn't actually your fault. If you had the paper (or virtual paper) trail to show them, you could prove it wasn't your fault a lot more easily. So hopefully you will learn from this to be more on top of things.

Hopefully you will also learn not to rant on the internet about problems that are partly of your own making - we can be a pretty tough audience that way!

Hopefully you will also learn not to rant on the internet about problems that are partly of your own making - we can be a pretty tough audience that way!
Yes! Badboy, it is apparent you are not happy with what has happened to you and I hope that you soon find a solution to your problem. One thing that you have to remember, especially with this forum is that a few posters like to contort and distort the words of others rather than trying to help the other out. It gets old. If you add fuel to the fire, you will get burned so stop at your last post and carry on about your business. Take it easy and keep on riding my friend.

Uh, there is no excuse. I do not excuse intentional malice.

Some of the people on this forum remind me of the "perfect storm" psychology or the "Big Lie" propaganda. They keep repeating the same negative lie or doubt and eventually--people are more inclined to believe the lie.
Here is an example:

http://today.msnbc.msn.com/id/37103788/ns/today-today_people/?GT1=43001

I certainly do have the right to post information that I think will be helpful to others. Everyone on this forum posts personal information including work information and geographic location. To say, I set myself up for it by posting personal information is ---appears to me to be a fragile attempt to excuse meanspirited behavior.

Funny, whenever people are called on the table for their mean spiritedness or maliciousness they always seem to use the excuse, "you are too sensitive" or even blame the person they have maligned.

When in actuality, an aknowledgment of the behavior will suffice.
In any event, thankfully, my post has helped someone.
On to my next thread--- FLORIDA IS WORST IN KILLING PEDESTRIANS AND BICYCLISTS!!!!!!!!!

Some of the people on this forum remind me of the "perfect storm" psychology or the "Big Lie" propaganda. They keep repeating the same negative lie or doubt and eventually--people are more inclined to believe the lie.
And you keep dodging the simple acknowledgement that you underpaid by $1800 and owe the company that money.

[Snipped rant about how mean it is to doubt your fiscal awareness] People ought to be able to post anecdotes they think will be helpful without your ridicule, suspicioun, personal attacks and berating. I mean you are downright disrespectful. And there is no excuse to be so hateful. To make matters, worse, when you read other people understood what I wrote and were offering helpful advice[Snipped more of the sleight of hand-don't read what I actually wrote-ranting]
Coincidentally, I posted this identical information in another forum. I have received emails from other customers discussing errors and problems with the new company. Everyone else was grateful for the reminder to CHECK YOUR ONLINE BILL ACCOUNTS!

Nothing more. Nothing less. [Snipped more of the rant].
It is no wonder that Nigerian email scammers find the Internet so rewarding. So many financial naive can be found who "understand" financial "anecdotes," and are sympathetic to the alleged plight of the helpless victim, and are willing to offer a helping hand or at least uncritically listen/believe a story/anecdote no matter how foolish or silly.

Get to the bottom line, Mr OP. Did you actually pay down the account with your own money, and if so how come you have no records of such payment?

Pay what you owe and stop ranting about how the big meanies don't sympathize with a financial "problem" of your own making/negligence.

And you keep dodging the simple acknowledgement that you underpaid by $1800 and owe the company that money.

His bank should have all the electronic transfer info - If in fact he's giving us the whole, complete situation, the bank should be able to see the $amount, what date, and to what routing/destination number it went to (entity/business). My personal feeling is that if there was some sort of merger or company reorganisation, the numbers that they use to get funds electronically may have changed, without notice to the financial institutions that process their funds....his payments may be floating in the old companies' escrow account for all we know.