This plan offered by FNC/Citimortgage seemed good at first. My wife and I enrolled, and they began deductions applying them to the current month's balance. A few months into the plan, we found ourselves in a position to suspend the plan deductions. We started the plan back up the following month after making our mortgage payment ourselves. When the deductions began again, they were not applied to the current month's balance as they were when the plan was implemented. This resulted in us falling a month behind in our mortgage because they deducted what was necessary for us to make the payment, and they held it for the following month. When I contacted them, they did not offer ant resolution, they simply stated that they were sorry for the inconvenience. I have tried to be responsible during this housing crisis, and companies such as this one make the responsible parties suffer just as much as those that incurred bad mortgages. Very bad business practices, and horrible customer service.