My home lender, that is. We'll just call them "Blank of America."
Last month, they sent me a bill in which they explained, "Oops, we misfigured your property tax escrow amount. Either send us $2,000.00+ American now and pay a little higher house payment OR send nothing now and pay a much higher house payment."
Indiana real-estate taxes are insane right now; the state fiddled with the way they are figured and it is messed up six ways from Sunday. So, okay, Blank of A can't maybe hire the really smart tax accountants for small fry like me and my piddlin' home loan. I moaned and complained and cut back on things and produced the exact amount the miserable weasels demanded with 24 entire hours to spend. They got it, too, I can go look it up on their website.
...That would be their website that still DEMANDS I pay them the "much higher house payment." The one I was avoiding by pullin' 2K cash outta not thin air but my housepainting, plumbing, out of pocket medical, car maintenance and general hobby, movies, restaurant dinners, books and fun budget -- if you don't have a house, the rest of that won't do any good anyhow.
So here I am as of now, $2 thousand bux short and per my lenders friggin' website -- where you can get a salesweasel 24/7 but actual bank-type help only during very limited hours -- I still gotta come up with an ungodly sum by the middle of the week. Do not have, not and pay the gas bill, too.
So I will be calling them at the crack o' noon or whenever exactly it is they roll their dewey pink rumps outta the silk sheets with their hired bed-companion, since nobody would sleep with 'em fer love, and I will be askin' just what the Sam-dammit-Hill they are after doing?
Update: Called, had to make four tries to get A Real Human Person, spent a very, very long time on hold, then got them to admit that indeed, I did only owe the lower amount, whoopsie! Got it paid. On time.
It used to be that smalltime borrowers like me were pretty safe once we'd got our loan; you can't get blood from a turnip and we were quite simply too small to be be worth messing with. This is no longer the case. Lenders, feeling the pinch of inevitable effects of their own irrational exuberance, formerly bouyed on the back of insane Federal lending policies, are now skinning every flint and charging the suckers for the free candy in the lobby.
I am gonna move this loan to a local bank somehow, or at least a bank with an actual office here in town where I can walk in and dare 'em to look me in the eye when they pull such tricks. They probably still will and smile all the while, but better some middle-manager I can see and who probably signed off on the skullduggery than a faceless (and innocent) Mumbai phone-bank worker who has no power, wasn't responsible for it, has no discretion in his or her responses and is paid to be unhelpful; I'd at least like to be shortchanged in person.
YANKEE RADIO TOOL KIT, #106
4 weeks ago