exactly
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exactly
They might have pickled herring but no salt. Or some weird organic superfood but no flour.
They are pretty strong on Mexican foods. I picked up a lifetime supply of dried arbol chiles. My wife picked up a lifetime supply of corn husks.
They always have a good price on small bags of oranges--I squeeze juice every morning.
packrat #3 caught. Traps reset, how many more could there possibly be?
it’s all about the pickled herringQuote:
Originally Posted by old goat
(Should I tell him?)Quote:
Originally Posted by easyrdr
no don’t do it
let him cry on his own
Quote:
Originally Posted by easyrdr
Quote:
Originally Posted by Flyoverland Captive
Snicker.Quote:
Originally Posted by ~mikey b
Do packrats carry Hantavirus? Because the deer mice I keep trapping sure do.
F'n squirrel must have eaten some kind of magic mushroom.
Was hearing some wierd noises and upon investigation found a squirrel climbing
around on the outside of the screened porch making all sorts of noise.
Chased the F'r off and he ran up under my car. Like on top of the gas tank or something.
Now every time I walk over there it starts making wierd noises.
It's been over 4 hours now and it's still there ! Maybe the water hose will flush it out ?
Or a drive ?
Shit is annoying ! I had a chipmunk chew my gas line once on another car.
It's that time of year for fermented fruit on the ground... and the resultant drunk squirrels. :DQuote:
Originally Posted by Ski220
When the police fuckup and blast a shelter in place order to every phone in 600 square miles when they meant to do it for a couple blocks
The bullshit hoops corporations make you jump through to "do business" with them
My mortgage was recently sold for the 3rd? (4th?) time in 7 years, and no sooner did I get payments set up with the new lender, my loan was assigned to a new servicer (7th one in 7 yrs?). So now I get to do it all again, and as usual they make it as hard as possible. Paperwork made it appear that my Oct payment (scheduled Oct 1) would be processed as normal with payments after Oct 3 being made to the new loan servicer. Checked my bank account Oct 1 and saw payment go out as expected so looked like everything was cool. Nope, turns out the previous company deducted the payment in error and they refunded the it back to my bank account a few days later. But rather than notify me by email as my preferences are set to, they sent a snail mail letter two weeks later which arrived the same day as the late payment notice from the new loan servicer. Nice.
So I go online to register with the new loan servicer and make my payment. But, their system will not let you access online banking unless you first open a checking or savings account with them and transfer in a minimum balance. Nice way to generate new business, assholes. So I open a checking account. Go back to register for online banking. Except, the info I provided (my brand new bank acct number), "doesn't match the info we have in our files". Try again with my mortgage account number instead, and that works. Next, type in the username and password I want and hit submit... "The service you are trying to access is currently unavailable. Please try again later." Wait a few mins, clear cookies, and try again. "Your account has now been locked due to the number of invalid registration attempts, please call 1-800....."
I call, and get the inevitable run around. "We are experiencing higher than normal call volumes." Of course you are, try fixing your shitty system so fewer people need help. Select the only relevant menu option - Internet Support. Go through a hundred questions to verify identity, only to be told "sorry I can't help, I'll need to transfer you to the Digital Support department." Huh? Thought that's where I was. Go through only fifty questions with Digital support. To finish up they need to verify my identity by having me upload a photo of my drivers license, but that can only be done the Sales Department so I get transferred again. Miraculously that takes only a few minutes, and I'm done.
Log back in to make my payment. "You may incur late fees due to the date of this payment, do you want to continue?" Fuck you. Go back in to set up recurring monthly payments going forward. Make selection and hit submit - "Sorry, that option is not available." Since my next payment is due Nov 1 now, I go back and make another one-time payment for now. And get the same late fee warning as above.
I am eagerly awaiting the barrage of "How did we do?" emails. And looks like I'll be calling back to bitch them out over whatever late fee they apply and to set up my recurring payment since their system won't allow it.
Just curious, do the people who design, build and administer these systems not use them? Surely they have to deal with BS like this in their own personal lives which you would think would encourage them to set up a system that is actually functional and user friendly, and not a POS like this one.
Quote:
Originally Posted by evdog
they do use them, and they do have a nonPOS system. it's $5 more than the standard POS system. your cheap assed POS loan servicer is saving $5 by fucking you.
fact.
The places that just buy mortgages don’t give a shit about their customers cause what recourse do you have? The fact that your mortgage provider can just sell it to whoever they want is sort of bullshit. Our new provider is the worst run business I’ve ever seen. No way we would have ever picked to do business with them.
As a Canuck I may be jealous of long term mortgage rates like you guys, but at least when I buy my term with a given lender, unless the lender itself get sold, my mortgage is not traded amongst any number of financial institutions.
Evdog's situation sounds like something the bank regulators might want to hear about. Unjustified late fees, requiring opening a bank account to pay the mortgage. Maybe not as shady as what Wells did but close. And no doubt the "late" payment will show up on credit reports.
Not an apologist for his situation, but I doubt there’s too much to make hay over here, at least yet. Digital banking does not enjoy any particular protected status in regulation or by regulators, at least not such that it’s a “guaranteed service.” It’s generally considered a privilege and they can often put whatever hoops they want in front of it.Quote:
Originally Posted by old goat
As to the payment, even if you crossed a wire and sent payments to the wrong person after the transfer date, those payments can’t be treated as late for the 60 days following the transfer date as long as you sent it to the wrong person in time. You shouldn’t get a late fee, and all they said was that it *might* incur a fee, not that it will. Not friendly, granted. If you DO receive a late fee you certainly have a valid bitch. There’s nothing negative to report to credit bureaus until it’s 30 days late, so that shouldn’t be any kind of problem. There are lots of good rules about prompt crediting of payments that nobody wants to fuck with, but if they don’t credit your payment timely and DO trip credit reporting that’s again a very valid bitch.
None of which is to say that you shouldn’t go ahead and register your complaint anyways. These guys will require some kind of response by the FI (or forward it to somebody who will) and it’s probably a good way to make sure your loan is escalated such that they don’t fuck around with it and cross any lines: https://www.consumerfinance.gov/complaint/
I’m confused by the $5 more for a better system discussion… but mortgage servicing systems are often a bit patchworked and that does indeed suck, though there are plenty of reasons why. You don’t just go buy a system and plug it in… the failure is typically in the implementation and development of a baseline system that you either purchase or develop in-house. Mortgage servicing and processing in general is a shitshow these days. Boom and bust with COVID and economy and rates and labor issues. Again, not an apology, but it’s not a very stable environment right now for most.
Chicken wire wrap around you car like they do at the bugaboo hut trailhead?Quote:
Originally Posted by easyrdr
Maybe a pain in the ass but it might work.
Sent from my SM-A536W using Tapatalk
Packrat #4 exterminated....................biggest nest ever removed this morning from the engine bay I must have at least a half dozen more to kill.
Problem is I think they are in the truck all the time, I would only be chicken wiring them in. Right now at least they are leaving the truck to gather shit and not eating my truck (knock on wood)Quote:
Originally Posted by Shorty_J
Yeesh... That gave me the heebie-jeebies.Quote:
Originally Posted by easyrdr
Sent from my SM-A536W using Tapatalk
Adding to the mortgage processing shitshow…
Is this the season where all the mortgage firms get together and decide to transfer their servicing assets to others?
We got a new loan processor, who can’t tell us how/where to pay either electronically or by mail. But they dinged us with a late payment for not paying on the due date. Giant PIA on phone trying to get it straightened out and still don’t know how to pay the obligation.
I think the shitshow is maybe driving the divestiture of servicing assets? Also, all those loans closed at crazy low rates over the last couple years have a nice fat servicing rights value with the rising rate environment. Servicing income is typically a percentage of collected payments, the value of those servicing rights is predicated on that estimated income over the WAL, and the duration of those assets get inflated when rates go up and refi activity goes down as borrowers are more likely to ride out their term. Those who prognosticate that rates will come back down and the market will heat back up in a year or two probably spy an opportunity to sell high.Quote:
Originally Posted by TBS
Both the transferee and transferer have an obligation to provide a notice that gives you contact info and an address for making payments, which should arrive at least 15 days before the actual cutover. If you have that I’d just fire a check at the address provided. If you don’t have that you should bitch a lot. Maybe tell the CFPB in the link above.
Also - PayPal sucks.
A small software company (LLC) of which I am partner got a rather large antitrust settlement from Apple. Choice was to
- get a cashiers’ check at some time in the future and drive it 100+ miles to the closest branch of company’s bank to deposit, or
- deposit it to a PayPal account and transfer funds from there to biz bank account.
So I did the latter. Paypal account domain name is same as the business name.
PayPal wants a taxpayer ID to send a 1099 because amount is well in excess of $600 limit. No tax ID means payment is subject to 24% backup w/holding.
No problem, business has a tax ID, and has a Form W9 ready to provide on a moment’s notice.
Problem - PayPal doesn’t allow me to enter ETIN in their on-line system.
Have been on phone with them since Monday AM trying to get it straightened out. Have talked to prolly 10 CSRs in their ‘financial compliance’ org, and only one so far even understands the diff between a SSN and ETIN. Prolly because English has not been the first language of anyone I’ve spoken with.
Each day the response has been “we will fix this today and provide email confirm”. Not true Monday and Tuesday.
Person I spoke with yesterday said she would enter the ETIN I gave her over the phone and provide email confirmation later in day. Said later email provides instructions to verify, which takes me to the same screens which only allow input of a SSN…:cussing:
They also provided an email for sending tax docs, so sent them the company’s W9 yesterday, asking for confirm by email that this has been accomplished. Nothing yet. Will see…
No idea why this should be so fucking hard…
Agreed PayPal sucks.
Company’s bank doesn’t have remote deposit, though? Or an address to receive mail?