Poor Charlotte
Charlotte has not pooped since Monday.
I'm told not to worry too much, that many babies have this issue, but this is a sudden change from her..."schedule"...and it does worry me. My doctor just changed my medication levels for my thyroid, so I hope that's not affecting her. Poor thing was fine all week despite not going, but today she's spent nearly every waking moment kicking her legs and screaming. We tried the suggested remedies, but nothing's worked. Thank god she has an appointment with her doctor on Monday morning, because it breaks my heart when I can't comfort her.
In other news, I've seen the light and now understand why the American banking system is so fucked. It's because they're MORONS.
Here's a little run-down of their "reasoning":
April 2010:
Me: Yes, I'd like to get a forbearance on my payments for the months of September and October?
Big Bank: Have you defaulted on your payment?
M: ...no, I'm trying to avoid defaulting. Just letting you know that after my child is born, those two months will be difficult.
B: I'm sorry, we can't do anything for you until you default.
M: ...I'm trying to be responsible here. You're saying that I can't be proactive, but rather just...stop paying before you'll deal with me?
B: I'm sorry ma'am. You could pay an additional fee per month and after six months you could then request several months without payments.
M: ...that won't really work for my situation.
B: How about a balance transfer into your bank account to tide you over?
M: Let me think about it.
June 2010
Me: Yes, I'd like to do a balance transfer to one of my cards.
Big Bank: Sure...oh wait, you can't because that bank also uses the same card services company that we do. But take that check we sent you and open an account at our bank and we'll give you 0% until November, then it'll just be like a purchase. Then you can just take that money to pay your other account.
Me: Gee, thanks! That'll help a lot!
September 2010
Big Bank: Oooo, yeah...so since that rep didn't actually do the transaction himself and since there was nothing specifically printed on that check we sent you, we can't give you that promotional rate.
Me: But your rep, the bank associate, and the rep SHE talked to all told me it was fine.
B: Yeah, no. Sorry, there's nothing we can do.
M: No, this is unacceptable. I had three people tell me it was going through as a transfer under that rate!
B: Sorry, but you have no proof. For all we know, you suddenly changed your mind. BUT! You can do ANOTHER balance transfer at your current promotional rate, wait for it to clear, and then pay the first one off!
M:. Let me get this straight; I will take money from your institution to put into...your institution. You will need four days to essentially give the money to yourself. Once you've officially transferred the money from your institution into your institution, I then have to call you to authorize you taking the money BACK out of your institution to pay...your institution.
B: ...yes.
M: The money goes in a big circle within your own company just to change the numbers on the APR?
B: Well, yes, but...
M: And this makes more sense than just changing the APR?
B: Well...we can't just change the APR.
M: Though that will be the end result?
B: The end result would be you getting the promotional rate.
M: The same one I'm asking you for now?
B: Yes.
Is it just me, or does this seem a little superfluous? I understand needing a paper trail, but this is ri-goddamn-diculous. And the funny thing is that every time I talk to someone, they have a different solution and "no clue" why the other reps told me to do certain things in fixing this.
Wow, my faith in our financial system is so boosted by this experience. Thank you.
I'm told not to worry too much, that many babies have this issue, but this is a sudden change from her..."schedule"...and it does worry me. My doctor just changed my medication levels for my thyroid, so I hope that's not affecting her. Poor thing was fine all week despite not going, but today she's spent nearly every waking moment kicking her legs and screaming. We tried the suggested remedies, but nothing's worked. Thank god she has an appointment with her doctor on Monday morning, because it breaks my heart when I can't comfort her.
In other news, I've seen the light and now understand why the American banking system is so fucked. It's because they're MORONS.
Here's a little run-down of their "reasoning":
April 2010:
Me: Yes, I'd like to get a forbearance on my payments for the months of September and October?
Big Bank: Have you defaulted on your payment?
M: ...no, I'm trying to avoid defaulting. Just letting you know that after my child is born, those two months will be difficult.
B: I'm sorry, we can't do anything for you until you default.
M: ...I'm trying to be responsible here. You're saying that I can't be proactive, but rather just...stop paying before you'll deal with me?
B: I'm sorry ma'am. You could pay an additional fee per month and after six months you could then request several months without payments.
M: ...that won't really work for my situation.
B: How about a balance transfer into your bank account to tide you over?
M: Let me think about it.
June 2010
Me: Yes, I'd like to do a balance transfer to one of my cards.
Big Bank: Sure...oh wait, you can't because that bank also uses the same card services company that we do. But take that check we sent you and open an account at our bank and we'll give you 0% until November, then it'll just be like a purchase. Then you can just take that money to pay your other account.
Me: Gee, thanks! That'll help a lot!
September 2010
Big Bank: Oooo, yeah...so since that rep didn't actually do the transaction himself and since there was nothing specifically printed on that check we sent you, we can't give you that promotional rate.
Me: But your rep, the bank associate, and the rep SHE talked to all told me it was fine.
B: Yeah, no. Sorry, there's nothing we can do.
M: No, this is unacceptable. I had three people tell me it was going through as a transfer under that rate!
B: Sorry, but you have no proof. For all we know, you suddenly changed your mind. BUT! You can do ANOTHER balance transfer at your current promotional rate, wait for it to clear, and then pay the first one off!
M:. Let me get this straight; I will take money from your institution to put into...your institution. You will need four days to essentially give the money to yourself. Once you've officially transferred the money from your institution into your institution, I then have to call you to authorize you taking the money BACK out of your institution to pay...your institution.
B: ...yes.
M: The money goes in a big circle within your own company just to change the numbers on the APR?
B: Well, yes, but...
M: And this makes more sense than just changing the APR?
B: Well...we can't just change the APR.
M: Though that will be the end result?
B: The end result would be you getting the promotional rate.
M: The same one I'm asking you for now?
B: Yes.
Is it just me, or does this seem a little superfluous? I understand needing a paper trail, but this is ri-goddamn-diculous. And the funny thing is that every time I talk to someone, they have a different solution and "no clue" why the other reps told me to do certain things in fixing this.
Wow, my faith in our financial system is so boosted by this experience. Thank you.