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Journal of No. 118


November 21st, 2003

Medieval on his fat ass @ 01:33 pm

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Last night we watched Pulp Fiction. I pictured our loan officer as Marsellus as he was getting butt-raped. It didn't make me feel any better.

I posted a long comment about obesity in kayven's blog.
To get your weekend off to an enjoyable start, I give you -- The Ample Sponge:

Nancy says, "I was upset when I realized that I couldn't reach every part of my body, but we did some research and found the Ample-Sponge."

The Ample-Sponge is a soft sponge on a firm handle that extends your reach in the bath or shower. It's also a great "travel" item for people who want to freshen up while out of the house, or who have reach problems when using the toilet (when a bidet isn't available).
 
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From:(Anonymous)
Date:November 21st, 2003 03:20 pm (UTC)

Getting Medieval

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Perry yesterday sez: "call me at 10 am tomorrow--all the loan documentation will be worked out." Lie?

10:00 am Leave a message for Perry: "It's 10 am, call me back."
11:00 Call Perry. Get ahold of him--he's in a meeting. Sez call back at 12:00.
12:00 Call Perry. Get ahold of him--he's in a meeting. Sez he will call at 1:00.
1:00 Call Perry. Get ahold of him. He can't talk--will call in 5 minutes.
2:00 call Perry. Leave a message. Point out that it's been an hour, not five minutes. Call Perry's numbers several more times, without getting any answer.
2:30 visit the Ditech website. Ask someone on their 24hour chat IM how long it takes to get a loan through them: "about three weeks." It has been 3 months since Perry approved our loan, five weeks since we told him our offer had been accepted, and 2 weeks since he's been promising daily that the loan would be done imminently. This is not a good comparison to think about.
3:00 call Perry. No answer. Call the general number. Get Vivian. Explain that I'm trying to reach Perry, who promised to call in 5 minutes over 2 hours ago. She transfers me to his supervisor Marguerita. Leave a message explaining that Perry has not called all day, and the loan documentation was supposed to be done at 10 am, which is 5 hours ago.

This does not make me feel any better, either.

B
From:(Anonymous)
Date:November 21st, 2003 04:19 pm (UTC)

The saga continues

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3:45 Perry calls. Miracle! But he's on his cell phone in his car. He wants Sandy's number. I give it to him. He isn't giving a coherent story about what's happening, and his phone is cutting in and out, but he tells me that he's going to have the VP of something or other, Yvette, call. Then he gives me her number. Why? I don't know. But he says he'll call at 5:00.
3:50 Call Yvette. She has no idea what's going on, although she admits to vague recollections of discussions of the problem, whatever it is. She promises to look into it.
3:55 Call Sandy. Leave a message telling her I'm not sure what's going wrong but would it be a good idea to find a new lender at this point?
4:10 Sandy calls. She says the seller isn't going to back out, but she's been threatening Perry with that. She has also talked to Yvette. She says that Yvette told her the problem has to do with getting someone's signature, and he's out of town. Yvette is going to try to find a way around it. This sounds like BS to me, but I'm not going to tell Sandy that. Sandy says it's too late to change lenders, and it's probably too late to get anything done today, but she thinks it could still happen Monday. But even if the paperwork DOES come through Monday, it will be too late to get escrow to close until Monday of the following week (December 1st). Which means a) we can't move over Thanksgiving weekend and b) spending at least 2 more weeks in our apt--and paying 2 more weeks of rent. And so it goes.
From:stevenkaye
Date:November 21st, 2003 05:58 pm (UTC)

Re: The saga continues

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Hmm. How many people read your blog? What happens if you post the name of the wonderful financial institution you've been dealing with (after escrow closes, of course)?

Alternatively, I wonder if the Better Business Bureau would be interested in this saga.
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From:essentialsaltes
Date:November 21st, 2003 08:59 pm (UTC)

Re: The saga continues

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No more than twenty people read my blog, I bet.

What happens if you post the name of the wonderful financial institution you've been dealing with?

Let's find out, shall we?
Washington Mutual.
From:(Anonymous)
Date:November 21st, 2003 11:45 pm (UTC)

Re: The saga continues

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ARRRGH! NOOOO!! You're doomed. B & A had nightmares going through Washington Mutual, if I recall.

I used to have them, just as a regular client. I financed my movies through them (the last two, I believe). I deposit a check (a low four figures) for one movie.

SIX MONTHS later, the check comes back, NSF, and I'm overdrawn. It took the bank SIX MONTHS to process a check from another southern California bank (like, Wells Fargo).
I promptly cancelled my account when they accused me of waiting six months to deposit the check. I couldn't even get bank statements for that far back to prove it.
From:stevenkaye
Date:November 22nd, 2003 11:15 am (UTC)

Re: The saga continues

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Because I am an ISTJ, and thus continually seeking the chance to smite, I checked out Washington Mutual Home Loan on the Better Business Bureau's site (http://www.bbbsouthland.org/):

"We rate this company as having an unsatisfactory business performance record based on a pattern of complaints alleging various billing related problems, and unanswered customer complaints.

Some complainants allege their payments on loans or mortgages are not posted or applied as agreed. Other clients complain of poor customer service, unexplained charges or repetitive billing errors.

The company responds in some cases by correcting accounts or issuing credits. Some complaints remain unresolved, meaning the complainants are not satisfied with the company's responses. Other complaints are unanswered."

Here's the link to file a complaint:

http://www.bbbsouthland.org/Online.cfm?h=13&d=bbb&p=cbusiness
From:(Anonymous)
Date:November 24th, 2003 01:42 pm (UTC)

Friday 5 pm to Monday 9:30 am

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5:00 pm Friday: Marguerita calls back. Expresses understanding that we need to know what is going on and when our paperwork will be finished. Promises to call back later that evening.

10:00 pm Friday: No call from Marguerita or Perry.

Monday

9:30 am Call Perry. Perry puts me on hold. Perry says he will call back in TWO minutes.

12:33 Call Perry. Leave message at office.

12:34 Call Perry's cell phone. Perry answers: "I'm down here at the center. I'll call you back in just a couple of minutes."

1:36 Call Perry. Leave a message.

1:38 Call Perry's cell. Perry says the underwriting manager was supposed to be there at 12 but he'll be there within 20 minutes and then Perry will call at 2:30. Someone called Trudy is involved, but I'm not sure how. He says the loan documentation WILL be done today. He adds that "this is business, not personal. He don't take it personal. So don't be afraid to call." I'm not sure why this needs to be said, but there it is. No odds offered on whether Perry will call at 2:30.
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From:rsheslin
Date:November 25th, 2003 08:46 am (UTC)

Re: Friday 5 pm to Monday 9:30 am

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Perhaps he should take it personally!

Weasel.

Journal of No. 118