>>First to call BS.<<
I agree. Extraordinary claims require extraordinary evidence.
Thanks to the internet, now more than ever this is true.
It's all fun and games until someone puts an eye out . . . in other words, it's all fun and games until one gets served with a summons to appear and blows it off. Thus the "summery" judgment motions.
My mortgage servicer, Wells Fargo, did not accept a periodic payment from me as it was short a few dollars (they had re-figured escrow due, I had payments on auto pay from bank, and missed their recalculations), no notice from WFC, I only noticed because my bank balance was more than it should have been later in the month. I called them and found out the problem - of course even tho 99% of the amount due was in their hands on the due date, and the escrow balance was considerably positive, they charged me a 10% late fee. Sharp practice at best. Slimy banker practice at the human level.