Misfitmorgan's Journal - That Summer Dust

[Baymule]

I like the way you think. Already have Plan B waiting in case this whole debacle of incompetence blows up on you. And I bet you'll cozy up to the credit union too. Keep fighting for the first one until it either blows up or you sign on the dotted line.

 

[Bruce]

I would:

• Contact the CU for a loan on this house. See if they will contact Freddie on your behalf.
• Contact your state's AG and get the law after the bank, they are clearly not behaving in a proper fashion
• Contact the BBB about the bank
• Get the paperwork for Small Claims Court
• If the bank blows this, start a twitter war against them (after the small claims court forces them to refund your earnest money)

Don't know how you have down payment money for the "new" house if you lose your earnest money on this one

 

[Mike CHS]

I really hate what has been done to you guys and do hope something, even Plan B works out. I would be mad enough to take what Bruce said into serious consideration.

 

[Latestarter]

It would be useless to place a second offer on the present property. The offer would be turned down because of what has already transpired. As for the newer property, I wouldn't write another contract until you are pre-approved for a loan contingent on contract, title, survey, and appraisal... Any of which, if they go south, are grounds for you getting your earnest money back and getting out of the contract.

 

[misfitmorgan]

I signed paperwork friday to release the contract on the house, it looks like we will be getting our ernest money back.

The bank emailed me yesterday telling me they need yet another thing for the underwriter explaining why my lease for my car was the way it was and apparently the first 5 pieces of paper i sent them trying to prove i did pay off the car are not enough.

The appraiser has not gotten back to them on adjusting his appraisal...yet.

So i dont feel to bad about siging off on the house because even by the 11th we wouldnt have gotten it. This stupid UW is stuck on this f**king car lease and can't seem to get her head around the fact we did indeed pay it off and are not trying to hide a new lease or an old lease or a pending lease.

So to that end....this was all Chemical Bank.

I am heading to my CU today for pre-approval so we can put an offer in on a new place.

In other news, My dad was put in the hospital. Luckily it turned out to be pancreatitis only and malnutrition. They treated him for the pancreatitis and he has to drink ensure shakes a few times a day to try to get his weight up. He eats all the time but has always been skinny and as he gets older it seems he is getting more and more skinny but he eats more then i do and lots of candy/sweets too.

 

[Bruce]

Sorry you lost this house, most especially after all the bank put you through. I would, at the least, write a letter explaining how you were jerked around. Mail it, minimally, to CB regional and national. Everyone up the chain above the people you were screwed by. This loan was SO SMALL compared to what they would consider "average" they should have gone on the "easy" side just to make some money. Instead they locked up some quantity of their salaried employees' time that could have been spent on bigger, more profitable loans and came out with nothing. It cost you the house, several years of age stress and probably no small quantity of gray hair for no reason.

Is the place in Black River still in the picture?

I PRESUME you don't have to prove where you got your current cash to the CU but if so, at least you have all the paperwork you had to get for CB. Maybe best to have all that in hand when you walk in.


BTW, next time some fool asks where you got the pigs to sell, tell them you went house to house, blew them down and collected whatever pigs were inside

 

[frustratedearthmother]

BTW, next time some fool asks where you got the pigs to sell, tell them you went house to house, blew them down and collected whatever pigs were inside

So sorry you had to endure all the torture they piled on you...hope you have much better luck with the next place!

 

[promiseacres]

Raising my glass to a better situation!!!

 

[greybeard]

In other news, My dad was put in the hospital. Luckily it turned out to be pancreatitis only and malnutrition. They treated him for the pancreatitis and he has to drink ensure shakes a few times a day to try to get his weight up. He eats all the time but has always been skinny and as he gets older it seems he is getting more and more skinny but he eats more then i do and lots of candy/sweets too

Is he also diabetic?

I drink something called Glucerna in place of my mid-day meal (which I never ate anyway) Sometimes, buy Boost instead.

(Eats but doesn't gain wt...Maybe he just needs a good dose of dewormer..)

 

[CntryBoy777]

That only means 1 thing....there is a much better place ahead and a better place to do business. It is really a shame the way things are done and handled today and such DumbA**e* actually are considered edumacated....country for educated....