1.) When I make a payment and you cash my check but do not apply it to the mortgage because you have changed the amount of the payment but did not inform me, I should not have a late payment note.
2.) When you call and ask for Barbra and I tell you she is not home and ask if I can take a message and you say "no, I'll try back later", saying that you called the house and talked to some man does not fulfill your obligations for contact. Neither does simply hanging up when a man's voice answers the phone.
3.) You've made it more difficult for me to get a refinance loan. I suppose that is in your best interests, but it is most definitely not in mine.