Got in trouble last september, fell behind. Went into forclosure. I am 160k upsidedown in my house. 30yr fixed mortgage. Tried to get them to help me out, they basically told me to take a hike. I liquidated everything I own and got the loan current including thousands of dollars in legal fees. We were told as of September that it the account was square.

I get a letter yesterday for an $85 late fee for September. Mind you I have paid the mortgage like clockwork the day it is due since September.

Call them up and they tell me to piss off again. If I don't pay the $85 they will send it to collections. I (*#@&)$@ hate this company.

That might be the straw that broke this camels back. I signed the contract four years ago true. I didn't wreck the market, these jerkwads did. I decided last december to do the right thing and keep my obligation despite the fact that mailing the keys back to them would have been much better for me and my family financially...now I am thinking of living here until they kick me out and letting them eat the 160k. The more I think about it the more I like the idea.

Provident Funding is a terrible company and I personally hope they go belly up and that the Customer Service manager ends up starving in a food line somewhere. It would be Karmic.