2004-07-21 20:33![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
digitaldiscipline
digitaldisciplineBig, important things first:
- I close on the house tomorrow.
-![[livejournal.com profile]](https://www.dreamwidth.org/img/external/lj-userinfo.gif)
aishlynn had an interview at Busch Gardens yesterday, and will be hearing something from them in what I suspect will be the fairly near future.
Smaller, more annoying things, then.
The whole house thing very nearly didn't happen without some serious help, because BANK ONE IS A BUNCH OF SHITFUCK RATSCREWING COCKBITERS. By their actions (and inactions), they very nearly rendered me unable to make the down payment tomorrow. . . and were then stupid enough to give me a big fucking stick with which to beat them over the head with, saying, basically, "We're a bunch of greedy, lying sacks of shit, and here's your proof." Nobody there, until today, was even helpful or polite, much less useful. Messages to branch managers were lost. Answers to questions were not given. Solutions to problems were not offered, or even considered. And my money was tied up most inconviently (I'm not yet absolutely certain there was any fiduciary impropriety involved, but it sure smells that way when it's your ass on the line).
Props to the new custodians of my ducats, Wachovia, for actually putting the "service" in "Customer Service."
Those of you who remember my go-round with Audi USA over the shenanigans that took place with the dealership who tried their damnedest to kill Froederick are familiar with what happens when I turn my napalm dispenser to "Corporate Motherfucker," and the big muckety-mucks at Bank One, Chase (who just purchased them), and perhaps the Better Business Bureau and Federal Reserve if I'm feeling particularly vindictive.
And, because I have friends at the Fed, and know how to make Google dance for me, three minutes' work turns up this resource (specifically, item #7 under "Determining Funds Availability," though I can see B1 trying to weasel out under the "Large Deposits" proviso (however, they didn't make the $5k available any sooner), and they already fucked up and admitted that the hold was because my two-year-old account was less than 30 days old.... in writing. I have 12 CFR 229 on my side, bitch. Let's dance.
On top of not being sure if I would be able to make my down payment, there was the small matter of the mortgage lender not being able to confirm that I actually had the job I've been going to for a couple of weeks (my first paycheck was for the holiday-shortened week of July 4th, which made me look like a non-full-time employee; my status as "seasonal/contractor" just compounded that), but verification was finally achieved.
Jesus Christ. At least the down payment is going to be slightly less than originally anticipated, so we might even be able to put in a washer, dryer, and sofa right away. Still weighing options for doing a back porch or patio, and, apparently, the garage isn't in as rough shape as originally thought, but I think I'd almost rather knock it down and start over than worry about rejoisting the fucking thing, because it's god-damned fugly.
Right now, the sledgehammer party is shaping up to happen the last weekend of August. Formal "we've finished painting stuff" housewarming is tentatively scheduled for sometime around Halloween.
- I close on the house tomorrow.
-
aishlynn had an interview at Busch Gardens yesterday, and will be hearing something from them in what I suspect will be the fairly near future.Smaller, more annoying things, then.
The whole house thing very nearly didn't happen without some serious help, because BANK ONE IS A BUNCH OF SHITFUCK RATSCREWING COCKBITERS. By their actions (and inactions), they very nearly rendered me unable to make the down payment tomorrow. . . and were then stupid enough to give me a big fucking stick with which to beat them over the head with, saying, basically, "We're a bunch of greedy, lying sacks of shit, and here's your proof." Nobody there, until today, was even helpful or polite, much less useful. Messages to branch managers were lost. Answers to questions were not given. Solutions to problems were not offered, or even considered. And my money was tied up most inconviently (I'm not yet absolutely certain there was any fiduciary impropriety involved, but it sure smells that way when it's your ass on the line).
Props to the new custodians of my ducats, Wachovia, for actually putting the "service" in "Customer Service."
Those of you who remember my go-round with Audi USA over the shenanigans that took place with the dealership who tried their damnedest to kill Froederick are familiar with what happens when I turn my napalm dispenser to "Corporate Motherfucker," and the big muckety-mucks at Bank One, Chase (who just purchased them), and perhaps the Better Business Bureau and Federal Reserve if I'm feeling particularly vindictive.
And, because I have friends at the Fed, and know how to make Google dance for me, three minutes' work turns up this resource (specifically, item #7 under "Determining Funds Availability," though I can see B1 trying to weasel out under the "Large Deposits" proviso (however, they didn't make the $5k available any sooner), and they already fucked up and admitted that the hold was because my two-year-old account was less than 30 days old.... in writing. I have 12 CFR 229 on my side, bitch. Let's dance.
On top of not being sure if I would be able to make my down payment, there was the small matter of the mortgage lender not being able to confirm that I actually had the job I've been going to for a couple of weeks (my first paycheck was for the holiday-shortened week of July 4th, which made me look like a non-full-time employee; my status as "seasonal/contractor" just compounded that), but verification was finally achieved.
Jesus Christ. At least the down payment is going to be slightly less than originally anticipated, so we might even be able to put in a washer, dryer, and sofa right away. Still weighing options for doing a back porch or patio, and, apparently, the garage isn't in as rough shape as originally thought, but I think I'd almost rather knock it down and start over than worry about rejoisting the fucking thing, because it's god-damned fugly.
Right now, the sledgehammer party is shaping up to happen the last weekend of August. Formal "we've finished painting stuff" housewarming is tentatively scheduled for sometime around Halloween.
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Drive-by and MOJO
That is all.
Re: Drive-by and MOJO
Re: Drive-by and MOJO
Matt, Angel's friend and ex-coworker from NJ. We met briefly at her wedding. Ring a bell?
Re: Drive-by and MOJO
Re: Drive-by and MOJO
My new LJ name is very appropriate (http://www.internationalhero.co.uk/moriarty.htm) at this stage of the game.
The joys of home ownership
So after much hairpulling and greying of said item, the closing date FINALLY arrived (d-day, which is perfect) - we show up and our mortgage company tried to tack on a percentage, but wouldn't tell us what it was - we kept telling them we're not paying any points. That's what this looks like to us, so if it's not removed, we'll remove ourselves from this room. (calls back and forth) oh, that's our commission, we'll knock it down to $200 - (hmmm, so the truth comes out)
All during said transactions, the other owners wouldn't even sit in the room with us. She had the look of righteous I hate the world bitch, he had the look of a beaten man. (shaking head) when all was said and done, we actually paid less for the house than what they owed on it - they had to pay to get out of their loan!
So, to celebrate passing the stress of our major purchase, we went over immediately and changed the locks - we found that no matter the condition of the house, the terms, how well off you are - house buying is a royal pain.
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Igor is...
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On the count of three now... 1, 2, 3, ***deeeeep breath*** (Better now than when you're up to your nose in paint fumes, eh? ;)
(no subject)
MUCH MUCH HAPPY GOOD WONDERFUL MOJO on the closing. (wanted to be sure I had dug out the right mojo for you. heh)
B1 is a bunch of fuckholes. :P I can't believe they're still giving you shit. I'm glad to hear W. is giving better customer service these days.
*hugs* to you and K. Best of Luck!
(no subject)