Cenlar AKA Freddie Mac...I have sent in the form for automatic mortgage payment 3 times. They keep telling me they have not received it. Every month I end up paying over the telephone and they charge me $12.00 to pay by phone. Then they send me a bill for $38.00 for a monthly late fee! On top of all this they are ruining my credit rating. This is the biggest SCAM the government has going. If I could refinance with a reputable company I would but since I am upside down on my mortgage since property values have dropped (thanks again for making... read full review »