AAARRGGGHHHH!!!!!!!!
Feb. 21st, 2007 09:03 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
molly_oOk, so here's the thing: I have never missed a rent payment in my life. I've never even been *late* with the rent. Most of that is due to the lucky fact that I have been steadily employed, and therefore *able* to pay my rent promptly, but some of it is due to me taking shit like that Very Seriously.
Several years ago I bought a home, and every month since then I have faithfully and promptly made a payment toward my mortgage. The absolute latest a payment has cleared has been the 10th; most months it's cleared by the 25th of the preceding month. It's the roof over my head, and I do not mess around with that.
So sometime toward the end of January, I mailed the February mortgage payment. And it didn't clear. And it still didn't clear. And I should've called them a while back, but I kept thinking it would clear any day, so I didn't call. But it's getting on toward the end of the month, and I'm going to have to mail the March payment soon, and I need the payment coupon to do that. (And I *really* should've called them a while back, I don't know why i didn't.)
Last night I finally call them, and I explain to the very nice woman at my mortgage lender that the payment I mailed does not seem to have arrived, and I offer to pay on the spot over the phone with my credit card. But they can't do that. So then I ask how I should handle payment without a coupon, etc., and she gives me a mailing address and tells me as long as I put my loan number on the check it will be fine, and says she's putting a note in my file explaining all this.I write the check and address the envelope immediately, because it's the roof over my head, and I *do not* mess around with that.
We have a bin at work where we can put stamped personal mail, but I stop by the post office on my way to work so I can mail it there myself. (Repeat after me: It's the roof over my head, and I DO NOT mess around with that.)
In the afternoon I get a voicemail message to call the mortgage lender, but when I call back they ask for my loan number, which I don't have with me. At home tonight I call them, and it's the collections arm of the operation, and they know nothing about last night's conversation, and they want to know why I'm DEFAULTING(!!!!).
I explain that it's all totally unintentional, and I called them yesterday, and I'm mailing a check, and she kinda wonder why I'm trying to mail a check at this late date, and I'm like, what choice do I have, you won't take credit cards? And she's all, you can pay online, you can visit one of our offices, and I'm like [wailing], WHY didn't the woman I spoke with last night tell me I had those options?? Why did she immediately give me the mailing address?? And I am *freaking out* -- ROOF! HEAD! MESS! -- and she's just not helping, because she says I'm giving her mixed messages, but she's going to trust me that I really did mail a check. Which just -- ARGH!!!!
So the upshot of all of this is that tomorrow morning -- after we go get fingerprinted at Homeland Security for Totally Unrelated reasons -- we have to find a mortgage office and convince them to take our money, instead of our house.
Freaking. Out. That is me right now.
Several years ago I bought a home, and every month since then I have faithfully and promptly made a payment toward my mortgage. The absolute latest a payment has cleared has been the 10th; most months it's cleared by the 25th of the preceding month. It's the roof over my head, and I do not mess around with that.
So sometime toward the end of January, I mailed the February mortgage payment. And it didn't clear. And it still didn't clear. And I should've called them a while back, but I kept thinking it would clear any day, so I didn't call. But it's getting on toward the end of the month, and I'm going to have to mail the March payment soon, and I need the payment coupon to do that. (And I *really* should've called them a while back, I don't know why i didn't.)
Last night I finally call them, and I explain to the very nice woman at my mortgage lender that the payment I mailed does not seem to have arrived, and I offer to pay on the spot over the phone with my credit card. But they can't do that. So then I ask how I should handle payment without a coupon, etc., and she gives me a mailing address and tells me as long as I put my loan number on the check it will be fine, and says she's putting a note in my file explaining all this.I write the check and address the envelope immediately, because it's the roof over my head, and I *do not* mess around with that.
We have a bin at work where we can put stamped personal mail, but I stop by the post office on my way to work so I can mail it there myself. (Repeat after me: It's the roof over my head, and I DO NOT mess around with that.)
In the afternoon I get a voicemail message to call the mortgage lender, but when I call back they ask for my loan number, which I don't have with me. At home tonight I call them, and it's the collections arm of the operation, and they know nothing about last night's conversation, and they want to know why I'm DEFAULTING(!!!!).
I explain that it's all totally unintentional, and I called them yesterday, and I'm mailing a check, and she kinda wonder why I'm trying to mail a check at this late date, and I'm like, what choice do I have, you won't take credit cards? And she's all, you can pay online, you can visit one of our offices, and I'm like [wailing], WHY didn't the woman I spoke with last night tell me I had those options?? Why did she immediately give me the mailing address?? And I am *freaking out* -- ROOF! HEAD! MESS! -- and she's just not helping, because she says I'm giving her mixed messages, but she's going to trust me that I really did mail a check. Which just -- ARGH!!!!
So the upshot of all of this is that tomorrow morning -- after we go get fingerprinted at Homeland Security for Totally Unrelated reasons -- we have to find a mortgage office and convince them to take our money, instead of our house.
Freaking. Out. That is me right now.