[island_dude]

I have recently had issues with electronic payments not clearing when they were supposed to. I was paying the bills on the day they were due, and yet I got hit with late fees. This is for Credit card companies primarily. I have not had a lost payment, but I have had incorrect accounts get paid.

I have had the escrow issue as well. It seems that the mortgage companies can change their reserve requirements. I have two mortgages do this. Oddly enough, my tax bill had gone down but yet they somehow felt that I needed a higher reserve. If you have enough equity, they will often let you pay your own taxes and insurance. I have done this once and refinanced the second time.