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What the Heck???

March 6th, 2007 at 02:29 pm


This morning has not been a good one by any stretch of the imagination.

As soon as DH left for work this morning I walked back into the living room to find that the pellet stove was shutting down yet again. It's been doing that every couple of days lately. When it does this DH has to pull it out away from the wall, take all the pellets out of it and take it apart to clean the top auger. For some reason it is getting a build-up of something on it that prevents it from turning and feeding the pellets down so that they burn. So we started the day with no heat and the record lows for March of 1 degree with wind chills of -20.

Then I picked up the mail on the way to work and there are 2 notices from a debt collection agency that our school taxes from last fall were never paid by our escrow account! So I called our tax collector and she said that for some reason the bank did not pay anyone's taxes last fall (which they've always done before) and that she sent out notices so that we would know they hadn't been paid. I never got the notice. So now we've been turned over to the collection agency which is going to mess up our credit.

My question is...why didn't the bank let us know they were not paying them and why aren't they paying them??? This is how it's worked for 7 years now. It would have been nice to know that they changed things. The money to pay these taxes is included in our monthly payment. Would be nice if it was used for what it's intended for.

I'm very close to changing banks right now.

Posted in Banking, House Repairs, Paying Off Mortgages | 11 Comments »

11 Responses to “What the Heck???”

  1. frugalmomof1 Says:
    March 6th, 2007 at 02:46 pm 1173192410
    1173192410

    We were having the same problem with our pellet stove a couple of weeks ago. It seemed like it was a problem with the auger at first. DH took it all apart to check the motor and everything. Then we got the installer to come out and we found out that some pipes were clogged up really bad.

  2. rduell Says:
    March 6th, 2007 at 02:50 pm 1173192610
    1173192610

    Did you have a heavy smoke smell coming back into the house too? It gets worse when the wind is blowing. DH has checked the pipes though and made sure that they're not plugged, but maybe it's somewhere he hasn't looked?

    I only know it's getting really aggravating.

  3. frugalmomof1 Says:
    March 6th, 2007 at 02:55 pm 1173192943
    1173192943

    YES!! We were also getting a lot of unburned pellets....they were smoldering in the ash pan and filled the house with smoke when it shut down. I will check with DH to find out exactly where the clog was. I *think* it was above the burn pot. He didn't even know there was an area there to clean until the service tech came in.

  4. rduell Says:
    March 6th, 2007 at 03:44 pm 1173195863
    1173195863

    Very interesting! Thank you so much!

    I don't know where all DH cleans, but I'll see if he knows about that area.

  5. Ima saver Says:
    March 6th, 2007 at 04:05 pm 1173197101
    1173197101

    Boy, that is annoying about your taxes. Hope you get it all straighten out.

  6. frugalmomof1 Says:
    March 6th, 2007 at 05:35 pm 1173202551
    1173202551

    DH said that on our model (We have a St. Croix Hastings) that there is a grate around the burn pot. He had to remove that grate, and open the flaps/doors on the sides of the burn pot. There are holes on either side...he has to use a long pipe cleaner and brush to get all the way in there.
    Good Luck.....Hope this helps!

  7. rduell Says:
    March 6th, 2007 at 06:25 pm 1173205552
    1173205552

    Thank you so much! I will let him know all of this. I hope this is the problem!

  8. monkeymama Says:
    March 6th, 2007 at 08:39 pm 1173213575
    1173213575

    I don't like impound accounts in the least. This is VERY common - they simply forget to pay. Who is left holding the bag? You. I see it a lot...

    Well hope things are going better now!!!

  9. littlemama Says:
    March 6th, 2007 at 08:49 pm 1173214149
    1173214149

    I pay my escrow and all insurance cash "out of pocket", because I need to know that is is paid. It scares me to "depend" on someone else. We just put back X amount of dollars each month in an ING acct. to cover this kind of thing and the $$$ is there when we need it. Hope things work out for you.

  10. Amber Says:
    March 7th, 2007 at 01:09 am 1173229779
    1173229779

    Hope you get the stove fixed, also give the bank a call. My friend's bank socked all her money into escrow and not the mortgage (strange I know) unfortunately she had to hire an attorney but it was straighten out

  11. LuckyRobin Says:
    March 7th, 2007 at 02:01 am 1173232905
    1173232905

    You can have a statement attatched to your credit reports explaining what happened with the account going to collections and how it was the bank's fault and not yours. It may help if you are needing good credit for anything soon.

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