Please bear with me, this may be a long post. Background: ========== I bought my condo about 3 years ago (Oct 2000). Since then, I had been paying the Homeowner Association dues monthly using my credit union's Bill Payer service (Checkfree). At the beginning of every year, our HOA sends us a coupon booklet to send our payments with. I usually ignore the coupons, and only update the amounts of the recurring monthly charges at the beginning of each year. Our HOA changed their P. O. Box number (though not the city and post office location) in January of this year. They did not specifically mention that they were doing it; only printed the new address on the coupons they sent us. I did not notice it, and as usual, simply changed the amount. My payments continued to be sent to the old P. O. Box. I did wonder why it was taking them so long to post my checks, but thought nothing more of it. In June 2003, I got a letter from them saying that they noticed that I had been sending my payments to the wrong P. O. Box address, and that the post office had been forwarding my checks to them as a courtesy, and that I should make note of the change. I immediately changed the payment address in my Bill Payer, but it was too late for June payment. July and Aug payments were mailed to the correct address, however. Today, I get a letter asking me to pay fine of $120.00 for all the previous months that payments have been posted late to my account. If I don't pay before Aug 31, a lien for this amount would be placed on my home. My thoughts: ========== While it is true that I did not notice the change of address, it is also equally true that they did nothing to indicate this to me either through a formal letter, or immediately after the first late payment. They let the fines accumulate until 6 months before making any contact with me. They knew all the time where I lived, and my phone number, but never contacted me. Don't they have any responsibility for this? I do not feel responsible to pay $120, as I made good faith efforts to make payments on time every month. I feel that I would be liable for only $20 fine for the first month for failing to notice the change of address, no more. Had they contacted me in January immediately, that would have been the extent of my liability; by sitting on their rumps until June, they compounded the problem. How do I approach this problem? Can any of you knowledgeable folks point out any laws that our HOA violated, that I can use as leverage in negotiating with them? I live in NJ, if that matters. Any help is sincerely appreciated.