(((Tammi))) The financial stress is enough to bowl anyone over. I know, 'they' say money can't buy happiness but I can assure you!...it does bring stress and depression when you don't have it.
I'm appalled that they didn't have payments recorded. Like Jo, I do most of my payments on line. I don't trust calling in payments. Those boobs! Be sure and check back through your bank statements so you can find out if/when the payments were made.
It's so difficult being pro-active when you are so very down and scared but I agree with Alffe. You gotta be proactive in this case.
((Tammi))