We had acquired a second mortgage that was bought by Wachovia.  Initally it belonged to my husband's ex-wife after the divorce but she defaulted on the loan.  Since she had it linked to the house, we had to bring it up to date or lose the house.  We did just that and have been paying on it for 12 years.  It was supposed to be paid off this month.  I was checking the account online and it stated we still had a balance of approx. $1700.  Yet our payment book had already been used up and had not heard a word from them.  We went to the bank and they gave us a list that showed a payoff of about $1200. Here we're thinking we are done with this crap and next we get a letter saying the balance is $1700 or if paid by November $1525.  We argued with them about all the discrepancies to no avail.  They said we had been late on payments, yet the detailed report never showed andy late fees.  I have never missed a payment.  My husband was so disgusted he paid the $1500 ( to stop the interest) and demanded an audit.  I warn all who inted to do business with WACHOVIA to stay away!!!!  If you are already with them or have a loan, get out of it or transfer it to a credit Union.