Today I got off work early because I had an installation at mine Casa to be home for. It was the reason I went in early, I could get a lot done with little interruption. I’m glad that’s how that part of my day went.
So I’m at home waiting for aforementioned installation. The installation people call and let me know they’re going to be late. Not just a little, but a lot because of complications with the install prior to mine which is cool with me, it gives me the chance to work out before they’re here instead of waiting after. Plus I had laundry on my bed and as devil may care as I’m capable of being, I’m not keen on the possibility of my unmentionables peeking out and saying ‘well hello there. I’m Lacy.’ Had they not called to let me know that, I would have been…well saying not happy would be a poor way to describe it. I work out, shower up, and take care of some stuff like bills, eats, etc. Of the things on the ‘items to take care of’ list is calling up about my mortgage. Specifically about seeing if I can unmuck the mess made of it when I originally got it. You can read the account as it happened here. The quick n dirty summary is that Lakeland Regional Mortgage screwed me and the parental unit [as she owns half the casa..or as she puts it, a 2 bedroom condo and a cook [moi]]] over and left us no recourse as they delivered their money gouger not only late to the closing, but didn’t let us know we were bona fide approved until about 3:30 pm the day before the closing. So if we didn’t like their final offer…no where else to go. On top of that, they failed to explain exactly that the equity whatever they called it [doesn’t matter because it wasn’t what they said it was] was the equivalent of a multi thousand dollar maxed out line of credit on our credit reports. Which made the refi on it not the best deal we could get simply because it tarnished our credit ratings. From day 1 I knew I would have to refi and consolidate..that we’re paying more than we should, and that despite trying to make it not so, a company took advantage of me being a first time buyer. So I called a company about my options and the sum of it is because my combined mortgage for Casa Primer is what it is, I won’t be able to consolidate until my house’s value goes up. Assuming that it will. That just makes me ticked off at Lakeland all over again. On a relative note, they had the audacity to send me something some weeks back about consolidating loans and to call them for my loan needs. I really wanted to call them and ask to speak with a supervisor of marketing or whatever they call it to try and get new or recurrent business so I could ask them after their effup with my first mortgage and my experience did they really expect me to do business with them again…ever.
Another call to be made that I refuse to make in the office was to close an account that I have but haven’t used in three years. Truth be told I forgot that I had it until going through last year’s files and putting them away [since it’s 2007 now]. I’ve noticed that people are slowly going towards automated menus such that you’re on the phone for ten minutes before you’re presented with a menu that -might- give you the option to speak with a real person. What I loved about these people I was calling is that they gave you the option to cancel the account by pressing 3. I’d been on the phone for about 5 minutes navigating through their menu, press 3 and I’m told to hold while I’m connected to a person. Who then asks me how may they help me. At this point I took deep breath to prepare myself for the usual barter they’re all required to do to try and convince you to stay. I wasn’t in the mood to be nice, and fortunately for some stranger on the phone, they didn’t try to convince me to keep an account open that I haven’t used in 3 years. Closing out other accounts hasn’t always been that smooth. I once had a lady try her damnedest and I was polite, I was civil, but by try number 3..repeating the same thing she just twice said..I stopped being nice. She in turn got snippy. ‘Is there anything else I can do for you ma’am’ ‘If you would..adjust your volume, because you didn’t hear me tell you I wasn’t interested in keeping the account..twice.’ I got nothing but click on that. Well that..and a gleeful smile.
Another account I tried to close…they told me via automated menu to leave my information as a message and they’d process my request OR I could do it via my account on the web. Which is all well and good and I would have..except you won’t send me my email reminder like you said you would and I can’t login.
I’m tired of the trend of there not being people to talk to when you call. Because when you call, you want it resolved then, otherwise you wouldn’t call. Unfortunately nitwits have mussed that up with being..well…nitwits and the reason people call help desks hell desks. It’s not a funneh. It’s fitting.
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