Shoot me please. Or burn the house down so I can write it off on the insurance and not deal with this ANY MORE because I'm pretty sure that would be LESS hassle than dealing with the fuckheads in mortgage. Really.
Okay, you all recall the end of Octember, when I went in and straightened out the f-ups with my October payment, and made the check-by-phone payment to cover the mortgage payment that had be mistakenly refunded? Yeah. I distinctly recall doing so.
And then I get this lovely and oh-so-very-informative notice:
Your check in the amount of ... was returned to us by your financial institution for the following reason: refer to maker.
*Your loan remains due for the 10/01/08 installment.
*The amount due is
You may be assessed a late charge if an installment is not received before the late charge assessment date. Depending on your loan product, interest may continue to accrue until replacement funds are received.
Okay, motherfucker. Point the first: What in all the holy lands does "refer to maker" even mean? If you're going to give me a reason, GIVE ME A FUCKING REASON. Point the second: this notice was not dated until 2 weeks AFTER the "late charge assessment date" so how by Bloody England am I supposed to deal with it before then?
So Monday last week, I called the local bank and left a message for the manager who dealt with this last time.
Yesterday, I attempted to go to the bank to deal with it in person, and discovered that it was a bank holiday. Bastards. I
Today, I called again. Was told by the woman who answered that it didn't have to be a manager who dealt with this, it'd be fine to just come in and ask whoever. RIIIGHT. So I left work early to come in a bit before lunch, so that the manager can't escape for lunch break (yes, I'm being bitchy. I think it's justified) because there's no way in Hell I'm believing this doesn't need to be taken to the manager.
And sure enough, I go up to the nice lady at the counter (that's not sarcasm--she really is a very nice lady), she looks up my account, confirms that I do still show owing for October and November, so this wasn't just a belated notice/miss-in-passing stupidity, and tells me I need (gasp, surprise!) to talk to the manager.
Flag the manager down - whee, no lunch for either of us!
He calls the mortgage people. Woman informs us that they are apparently having "system difficulties" and cannot access accounts. Oh, that's a GREAT confidence builder there. If I had any doubts at all about whether this was a reliable source to hold my mortgage that clinches it. 2 words for you: redundant systems. You handle millions of dollars of other people's money, and you can't access the accounts today? Fuck me sideways? Why SURE!
So now I'm supposed to go back to the bank after work, and the financial/mortgage gurus back East are supposedly going to call us back
and figure this shit out. We'll see if that
actually happens, or if we'll be calling them and getting the damn after-hours message.http://draggonlaady.livejournal.com/158765.htmlhttp://draggonlaady.livejournal.com/157063.htmlhttp://draggonlaady.livejournal.com/150350.htmlhttp://draggonlaady.livejournal.com/110469.htmlhttp://draggonlaady.livejournal.com/111025.html