Harr's General Construction

I have researched the issue and our logs indicate that she went on-line and made her October payment at 6:45pm on October 30, The October payment was due on October 1, [redacted] mentions our ‘un-written policy’ which is simply not true It is very clearly stated on both the siscreen and the internal screen of our payment website that the cutoff for payments is 6pm on the last business day of the month Every month I update this bulletin with the exact date and time by which the payment must be received in order to avoid a delinquency being reported to the credit bureausThe cutoff time is ALWAYS 6pm on the last BUSINESS day of the month Since [redacted] only missed the time by minutes and has never before had a day delinquency, I will go ahead and have the delinquency removed from her credit This is a one-time courtesy as she is now well aware of the policy Our offices close at 5pm each day which is where I believe the confusion on the cutoff time arose Two people have an altered shift on the last business day of the month to accommodate the 6pm cutoff for web-site and drop off payments Shortly after 6pm the web-site payments are downloaded and posted and the items in the drop box are posted prior to our closing the books on the monthThank you [redacted] [redacted]

To Whom it May Concern:Per our records, IHF A has replied to emails from the borrower and has supplied her withtwo payoff quotes this monthOne was prior to her making the June payment, onewas after she made the June payment.Our phones have been extremely busy and we are getting to messages as quickly as wecanSince payoff quotes have been ordered for the customer, any messages she mayhave left asking for a payoff would likely have been deemed old and not returned sincethe information she needed had already been supplied.As for the comment on IHF A's lack of feedback since 1999, I don't know how torespondsee many notes documenting calls to and from the borrower over the yearsfrom to when she filed a Chapter Bankruptcy.Bankruptcy law prohibits our initiating contact with her with regards to paymentsThebankruptcy was just completed at the end of March and IHFA was notified of thedischarge in mid-April.If additional information is needed, please contact me at 208-331- Sincerely, Jennifer H [redacted] Loan Service Manager

Complaint: ***
I am rejecting this response because: Idaho Housing did not disclose the implications this plan would have to our credit The paragraph referenced only indicates a method to shorten the implications but in no way discloses or gives their Borrower an understanding of what the credit implications would be. Having been disclosed this information a different arrangement would have been made outside of Idaho Housing
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

To Whom it May Concern:Per our records, IHF A has replied to emails from the borrower and has supplied her withtwo payoff quotes this monthOne was prior to her making the June payment, onewas after she made the June payment.Our phones have been extremely busy and we are getting to
messages as quickly as wecanSince payoff quotes have been ordered for the customer, any messages she mayhave left asking for a payoff would likely have been deemed old and not returned sincethe information she needed had already been supplied.As for the comment on IHF A's lack of feedback since 1999, I don't know how torespondsee many notes documenting calls to and from the borrower over the yearsfrom to when she filed a Chapter Bankruptcy.Bankruptcy law prohibits our initiating contact with her with regards to paymentsThebankruptcy was just completed at the end of March and IHFA was notified of thedischarge in mid-April.If additional information is needed, please contact me at 208-331-
Sincerely,
Jennifer H***
Loan Service Manager

August 3, 2017RE: Complaint ID# ***To Whom It May Concern:Our policy has been to only issue refund checks to the name(s) on the loan documents.It has been our past experience that banks WILL accept a deposit of our check into the estates account. The financial
institution may not be able to 'cash' the check but will usually credit the account with the deposit. After funds have cleared the funds would then become available to the estateI
don’t know why that did not work in this case. However, I have received approval from upper management to go ahead slop pay on the prior check and reissue it payable to 'Estate of *** *** ***’
c/o *** ***.The reissued check will be mailed to Ms***'s address within a weekIf additional information is needed, please contact me at 208-331-4757. Sincerely, Jennifer H***Loan Servicing Manager

This complaint has been thoroughly reviewed. *** and *** *** agreed to a repayment plan on July 23rd, 2015. IHFA is very aware of making sure our Borrowers understand the credit implications all programs have. I attached the forbearance plan in question to this
email. Please reference the third paragraph after the payment plan. We disclose this, and have our Borrowers sign all trial plans, and repayment plans to ensure they understand the credit implications. It appears IHFA did its due diligence in educating the Borrowers about the program, and it was provided in writing and signed by the Borrowers on July 23rd, 2015. Servicing notes were reviewed and it appears that the Borrowers were told by multiple counselors that it would affect credit. There may have been a miscommunication that caused some confusion, so I am referencing back to the signed documentation. IHFA will continue to try to educate Borrowers fully, as to how each program will affect their loan Please let me know if you have any other questions or concerns ***Supporting Documentation Redacted by Revdex.com Staf* Jimmy | Loan Administration Supervisor HomeLoanServ P.OBox 7899, Boise, ID 83707-Phone 208-331-4772| ***@IHFA.ORG www.idahohousing.com

I have researched the issue and our logs indicate that she went on-line and made her October payment at 6:45pm on October 30, The October payment was due on October 1, 2015. *** *** mentions our ‘un-written policy’ which is simply not true It is very clearly
stated on both the siscreen and the internal screen of our payment website that the cutoff for payments is 6pm on the last business day of the month Every month I update this bulletin with the exact date and time by which the payment must be received in order to avoid a delinquency being reported to the credit bureaus. The cutoff time is ALWAYS 6pm on the last BUSINESS day of the month. Since *** *** only missed the time by minutes and has never before had a day delinquency, I will go ahead and have the delinquency removed from her credit This is a one-time courtesy as she is now well aware of the policy. Our offices close at 5pm each day which is where I believe the confusion on the cutoff time arose Two people have an altered shift on the last business day of the month to accommodate the 6pm cutoff for web-site and drop off payments Shortly after 6pm the web-site payments are downloaded and posted and the items in the drop box are posted prior to our closing the books on the month. Thank you. *** *** *
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