alt Hacker NewsMy favorite was the following:
- I still have a mortgage on a property but don't live there so the mortgage bill gets sent to a different address (b/c rental property)
- Company A originated the mortgage and sells it to Company B
- Company B completely ignores the mailing address and starts sending bills to the original property address
- only through blind luck did I realize that the mortgage bill was being unpaid
This seems like basic, basic bookkeeping but I guess it's also a reminder that "reality has more detail than people realize" and that there are plenty of opportunities for improving systems.
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One of those myths too many programmers believe: All street addresses can accept US mail. Not necessarily the issue in this comment, but when somebody gives you both a shipping address and a mailing address and you send mail to the shipping address, the fault is yours if it doesn't arrive.
I own the duplex I live in. The actual property address is the rental unit. Every time the mortgage gets sold my tenant gets mail about it until I can change the mailing address back to my actual address (next door). It’s absolutely infuriating because the carelessness of my mortgage servicer who I don’t even choose makes me look bad.
Ar some point I had all the bills on my calendar and a event to check if the company confirmed the payment. It saved me at least a handful of times. I confess that I am not that diligent anymore, but I also have scheduled things in a more reliable way that always notifies me on payment. But the other day the bank skipped one of the payments because some information on the destiny account have changed but nothing was shown. It is always annoying to stop what you are doing to do this