Sigh

So, the most recent job ended abruptly this past Friday.

I had thought we might have just barely squeaked by the tight spot.  It looks like I was wrong.

I don't know what comes next.  The mortgage is current, for the time being.  I paid off the last little bit on one of the vehicles with the balance of the tax refund.  I was just beginning to talk to the credit card companies, about how to start working on that mess.

Frankly, I am quite discouraged.  

One Last Thing

Dear Goddess, Gentle and Bright, *PLEASE* make it the last thing!

There was more hoorah over sending the money, but all that was with my credit union and getting a form Just Right.  Three phone calls and four identical faxes later, and it was done.  Only a couple hours over all.  The credit union is next on my hit list of organizations that I intend to dump like a hot rock as soon as it is safe to do so.  But the money went away.

So I waited a full day to check and make sure the money went where it was intended to go.  And while the automated phone thing with NationStar assures me a payment was made on Tuesday, the dollar amount mentioned is about one third of the dollar amount I sent, a little over one months payment, as compared to the three months+ that I sent.  It then went on to blithely tell me when and how much my next payment should be, and it is the regular monthly amount, no mention of being in arrears at all.  I suppose I can extrapolate from that that the money is all well and properly dealt with.  That is, if I were to indulge in Hope or Trust when dealing with this company.  That is not going to happen.

However, that one last thing is that I could not get a live human being to speak with at NationStar, to double check that all the money went to all the right places and that All is now Well and Good.  At this stage, I'd like that reassurance, and I just can't get it. 

*******

As a complete aside, I fell over this web site today and it totally hits the spot about how I'm thinking and feeling about Life, the Planet and Everything these days.

http://dark-mountain.net/

Take My Money!

The adventure continues.

Last week, I wrote a check for the full amount of what we owe the mortgage company.  I placed it in an envelope and trusted it to the United States Postal Service.

Just now I have gotten off the telephone with NationStar Mortgage, who is *returning* my check to me.  I don't understand what their reasons are, the man that I shouted at on the phone couldn't explain it in a way that made any real sense to me.

They want the money in some particular way.  My check is too big, apparently.  I can wire it or send a certified check, as a personal check just will not do.  This will take more time and more effort and cost more money, and you know what?  I'm going to end up having my payment for this month, which was rolled into that one huge check, be LATE, because they didn't bother to tell me this up front.

On top of this, my very large check is out there, floating around in limbo.  I'm supposed to send them the money before I get that check back from this Oh So Reliable and Trustworthy company.  Pardon me while I have some justifiable paranoia.

I am so angry I could spit.  I shouted at that man, using several four letter words that I usually work very hard to not use while dealing with a creditor.

I have had more trouble with NationStar in the last 3.5 months than I had with any and all other mortgage companies I've ever dealt with before them, over 15 years now.

When I manage to refinance this mess, I'm having a party.