It’s Caturday again!!! (bacon edition!!!)

Bacon is like womenessential oil is bacon greaseVET DOESNT SPELL BACONbacon1

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Friday Five

1) OMG…The damn FRUIT FLIES are bountiful this year! Everywhere I go , there they are!!

2) This is what I saw driving to work today. I thought it stunning. I have no idea what phenomenon caused this but WOW.resized_20191011_081806_3534.jpeg

3) Let loose and had some fun last night. See the slide show. LOL!!

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4) I have a guy that just contacted me on Instagram. From Australia, (or so he claims) living as an American in North Carolina, yet speaks like he is from the Mideast. Uh huh. Like I’m going to let him into MY life.

5) Funny Wine Guy. Remember him?? He’s been contacting me a bit lately. Wonder what his agenda is………………..*sigh*

Heading to the Homecoming Football game tonight. So if you stop by? I won’t be here. LOL!!

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A resolution to that phone call……………..?

First I sent them a copy of my blog. And added the following,

How to Remove a Name from a Mortgage Without Refinancing
If you want to remove a name from a joint mortgage loan, whether it is your name or the name of your co-borrower…

Question: How do I remove a name from a mortgage when the joint owner dies?
Community Answer: Take the original or a copy of the death certificate to your mortgage holder and update the information so that it is no longer jointly held, but retain the rest of the information as is. They will try to tell you to refinance, but it is not needed.

Quicken Loans has a copy of David’s Death Certificate. Several I think. I am attaching ANOTHER copy to this email.

I am MORE than a little tired of going through this kind of phone call every few months with the empty promises I continually get. Yes, I say empty because EACH time I am promised QL will remove his name from all correspondence………and that never happens.

I need this rectified immediately. It has been suggested that I call with Wisconsin State Attorney General, the BBB, and to speak to an attorney regarding civil damages to me for hardship this heaps on me every time QL calls with this refinancing. I do not want any more calls regarding refinancing.

I do not need to refinance to remove my late husband’s name.

***************************************************************************

Hello Susan,

Thank you for reaching out. We sincerely apologize for any frustration or sadness speaking to another one of our team members caused. I can definitely understand where you are coming from, and I can assure you that these kinds of actions are not what we are about here at Quicken Loans. I have notified our Executive Office of your concerns, so they can look into this matter further.

A member of our team will be following up with you no later than 9:00pm EST this evening. Please let us know if you have any further questions or concerns at all. Thank you, and have a great day!

 

{So the Asshats call me AT WORK on my cell not 10 minutes after I get this email. I replied to them PLEASE do not call me on my cell at work! Call my cell after 8pm CST tonight.}

Then I get this email:

My name is J**** B**** with the Quicken Loans Sr. Research team. I was asked to reach out in regards to your concerns with the communication that you had with us. I want to apologize for the frustration that we cause when we call you and do not have the correct information about your account and who is listed on that account, I can’t imagine how that must make you feel.

I wanted to let you know that we have removed all contact information from receiving marketing calls and calls to refinance. We also show that the current loan and documents do only come in your name.

If you have any issues or concerns moving forward, please reach out to me directly via email or by phone at ***-***-****.

Thank you,

 

Then why am I constantly told I have to refinance to take my late husband’s name off the loan? This is not true. One does not have to refinance to remove a deceased spouse’s name. You have NO idea how painful that is.

Hello,

I do not have any idea how painful it is and I hope that by removing any marketing communication it will alleviate the pain that us calling and discussing this causes you.

But, all of the loan documents that we mail out will show just your name.

If you have questions, please let me know.

*************************************************************************

So apparently they have FINALLY gotten it. Altho I’m not sure.

Every time I have to deal with something that was supposed to be taken care of, it just opens that pain up fresh.

And you do NOT have to refinance to take a deceased spouse off a title. That is a lie and they cannot do that. Spread the word…………

Nick and Sue benefit

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So I get this phone call today…

broken-heart do you know where I can get this thing fixed.jpg

“Hi!! This is Chatty Breathy Cathy from this clueless company. Just wanting to know if you guys were planning on staying in your home for a while yet or if you’d like some information on refinancing your home.”

“You guys?” I ask..

“Yes! You and David…..” Says Chatty Breathy Cathy.

“It’s just me.” I say.

“oh! Ok, well I have a David on here, is he a friend or ……..” Chatty Breathy Cathy leaves it hanging in the air……

“David (Nick’s real name), my husband, died 3 1/2 years ago.” I remind them for the umpteenth time in the last 3 1/2 years. (Ok, it’s been 3 1/4 years and maybe I should get that technical with them. You know. Stand out in this conversation)

“Oh! I am so sorry to hear that……………..Let me bring Morgan in here to see if we can’t get his name off the account…..Morgan? MORGAN??” Chatty Breathy Cathy sounds pretty rattled and wants to get off the phone call QUICKLY.

And OFF we go again about how my husband died over 3 years ago and how I’ve been promised numerous times that, even though his name has to stay on the mortgage, it  was sposed to be taken off all correspondence. Even after 4 requests, our old landline that I disconnected in Jan 2017 and his Cell phone are STILL on the account!!!

“I think it is very stupid that when someone dies, you can’t just take the name off. I mean he is dead. He won’t be making any pay’ts towards this mortgage…….”

“Well, we can’t do that unless you refinance.” Says Monotone Monotonous Morgan. (“We have to suck as MUCH money out of you as possible.” Which is what they are really saying)

I said firmly, “No, you all already told me a few months ago that it would be pointless to refinance because it would cost me a fortune to save $100/month. No point. Besides, I’m working on getting the house fixed up and I’m hoping to sell it and move 1/2 hour closer to my friend River in the next 2 years.

Oh, all right, well if you change your mind, I’m emailing you my contact information.” replied Monotone Monotonous Morgan.

“Good bye.”

all i did today was breathe

After I hung up, I just sat here trying to breathe. I don’t think they have a CLUE how difficult it is to go through this EVERY 6 months with them! It leaves me shattered. And in tears.

I'm fine.jpg

I can hardly wait for the survey……………….Asshats.

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I WANT ONE….

sloth

Been a little upset lately. Between the micro-managing and the people not thinking when they read my invites, I just hate people right now. Not all people. Just the stupid ones. The ones that fail to read.

Here’s one thing: Bonfire! Bring your favorite finger food! I’ll only have napkins and the bonfire will be the dishwasher. I’m keeping it simple!

Somehow that got read as bring your own food, your own drink, your own plates and silverware…So they don’t want to come.

WTF?

accept the good in your life like me i am a delight

Why some want me to leave? I don’t know but will …. gladly. I don’t need negativity in my life. I’ve had enough of THAT to last me forever…..

negativity.jpg

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