The Refinance Dance

Last year, Alicia and I looked at refinancing our home to take advantage of better interest rates than the one we're in now. My rate of interest was high in a lower interest rate... GET IT???

COMEDIAN over here. My co-workers have no idea.
ANYWAY, there was a lot of running around because I worked as an independent contractor for a few months, but always made payments on time and all that stuff a RESPONSIBLE person does. It took a long time to get all this crap handled. But we did it.

Then it came time to sign, and hmm... lots of random fees show up on our paperwork, so we said "No," and we walked out. We don't take on debt to allay debt. You may as well fart into the hose of your gas-mask, like some of my old bosses do.

So here's what happened. The guy we worked with hounded me for a few months because they "paid" to have our home appraised, but we didn't go through with the re-fi, and the $ for the appraisal got yanked outta his paycheck. Here's what happened after that.
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Here's where it Started
Subject: Appraisal
Date: Thu, 15 Nov 2007 15:16:06 -0800
From:
To: Geoff Lott

Hi Jeff;

I just had $400 taken out of my paycheck in order to pay for the appraisal that was conducted on your home.
I would appreciate receiving the payment that you agreed to make.

Please call me with any questions.

Kind regards,
{Turdlet}

"Committed To Saving Our Neighbors Money"

MY RESPONSE
From: Geoffrey Lott
Sent: Friday, November 16, 2007 10:34 AM
To: {Turdlet}
Subject: RE: Appraisal

Hello {Turdlet},

I'm sorry about the money. However, my wife and I did everything that was asked of us to go through with the refinance process, from numerous faxes and emails and forms, to phone calls while on business trips. With as much work as we put in, we weren't trying just to get a free appraisal.
In every commercial I have heard for {TURD COMPANY} it is states that {TURD COMPANY} will "pay to have your house appraised." There’s no contingency attached.

We acted in every step with the full intent of going through with the refinancing via {TURD COMPANY}. Our decision to halt the transaction was due to over $7,000 in fees, which counteracted the entire reason we wanted to refinance. We would actually be incurring more debt, which isn’t in our best interest. We won’t be paying the $400 appraisal fee, as {TURD COMPANY}’s commercial says {TURD COMPANY} will pay for it, we don't feel we owe {TURD COMPANY} any money, and I don't remember signing any legal agreement saying I would pay for an appraisal if the deal didn't go through. And you misspelled my name,which in most circles I work in is a respect issue.

I apologize that it may have taken much of your time, but it took ours, too, and ultimately, we decided against buying the {TURD COMPANY} product.

Nothing personal, it just wasn't going to work for us.
I'm sorry, again, that any more time and money was lost here. We did all we could with the hope of a good deal. But that wasn't going to happen, so we couldn't go through with it, regardless of everyone's efforts, ours and yours.

Sincerely,
Geoff Lott
"Committed To Not Getting Plowed"

HIS RESPONSE
Subject: RE: Appraisal
Date: Fri, 16 Nov 2007 10:52:40 -0800
From: Plop
To: Geoff Lott

Hi Geoff;

Sorry about the misspelled name. I believe that was the first time it ever happened in this transaction, but still, no excuse. Again, my apologies. Let’s both chalk this one up to experience and move on.

Kind regards,
{Turdlet}
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So there ya go. I'm starting to embrace the necessity of calling people out. Public embarrassment needs to come roaring back to the forefront, until people realize that those around us are more worthy of our courtesy than those on a phone on their couch and in their own stink.

We matter. Most of us.

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