Yorkiedaze, I am so sorry.
Something strange is going on in the banking world. My mortgage is with Wells Fargo, which has a stellar reputation. Although my mortgage payments are always made *early*, they docked me for being late and applied all of the payments toward interest and none toward principal.
They also charged me for not having homeowners insurance, which I have had without interruption for the past 8 years.
This mess has taken more 3 months to sort out. My father, and co-owner of the house, is an attorney and sent letters. Wells Fargo never responded, but they did credit all of our accounts. Very unsettling.