When my insurance agent called to tell me my home ...

When my insurance agent called to tell me my home owners policy was being cancelled for non-payment, I called PHH Mortgage to find out why. They told me they had paid it, but the check was not cashed. Most likely because they sent the payment to the wrong address. Now the lady helping me was very nice but very hard to understand because she was part of a Philippians call center. She said she would take care of this and now had the correct information.

I then followed up the next day, yes another lady for the Philippians call center, to make sure they had cut the check, only to find out it would be another week before they would get this done. So I told her in a week the insurance was going to be cancelled.

They finally got the check cut the day before cancellation. A week later my insurance carrier got another check. Which emptied my escrow account and left it negative. I got a refund which is how I found out what happened. So I deposited the overpayment into my account and waited for the check to clear. Once it did I called so transfer the money back to my escrow.

You guessed it the Philippians call center again. This time I asked to be transferred to the USA, thinking perhaps an American would understand a bit better. They happily said they would transfer and promptly hung up on me. I played this game 4 times. The fourth time I told the Philippians call center lady, I still wanted to be transfer back to speak to an American, but I was tired of being hung up on.

I am still on hold so thought I would warn anyone calling into the PHH Mortgage call center. Yeh! I finally got an American who is easy to understand.

With any Luck this will be taken care of correctly.