fuck wells fargo and fuck dick's sporting goods
i haven't posted in a long time, mostly because there hasn't been anything extremely interesting going on and i've spent a lot of time being annoyed.
i'm STILL trying to get my damn refinance done. i've been working on this since... december, possibly earlier. got all the way up until the week before i was supposed to close, and at the last minute DENIED! and the worst part is the reason why. the loan was supposed to be through wells fargo, the company i've been with for the past almost 5 years. i've never missed a payment, never been late, on anything ever in my life. my credit score is 750-760. but yet they denied my refi because too many OTHER PEOPLE in my neighborhood are delinquent on their condo fees. apparently they have some rule that if more than 15% of the neighborhood is delinquent then they won't do the loan. so many reason this is fucked up. first, what the hell does this have to do with me? i'm not delinquent on anything. second, i've been with this company for the past almost 5 years but they'd rather lose a customer like me who pays on time and pay extra (cause they gotta know i'm gonna find someone else to refinance me) and what, keep all the people who don't? i don't get it. anyway, i'm working with a guy at m&t now who is supposed to get me an even lower rate, but it's a 5 to 6 week wait for it because of the amount of people who are trying to refinance right now. i just want this shit to be over so i can stop stressing about it!
another thing that happened, i ordered an orioles jersey for richie's birthday from dick's sporting goods. it's the new road jersey, i know it's hard to find. i ordered it 2 weeks before his birthday, then i find out it will be 2-3 weeks before it's sent out. ok fine, it might be a little late. 3 weeks goes by and i send them an email asking where it is. they say they'll check on it and i'll get a response in 3-5 business days. a week goes by (this puts it at a month since i ordered) and they send me an email that says it's not in stock (although my first email with the tracking info on it had always called the order "found in stock") and said "call and we will gladly cancel your order". i called, only a few hours after receiving the email. i was just sick of waiting and figured i'd just get him something else since it was so late and didn't know when i might get it. they told me they may or may not be able to cancel it, because they thought it might have already been put through. no one could tell me whether or not my order could be cancelled, and i'm left not knowing when/if over $100 is being debited from my account. a few days later, it comes in the mail. they didn't charge me. i thought, good. then several days go by, and they finally take it out of my account. after much time has passed and i had already gone out and bought richie replacement gifts. so now i've spent a total of like $250 on his birthday, much more than i intended. happy birthday to him lol. i will never order anything from dick's sporting goods ever again. i sent so many emails to them asking specific questions and complaining about how i was treated and i always got form letters or emails not addressing the problems they didn't wanna deal with answering.
so richie and i are both pretty damn broke now. and i'll most likely also have to pay for another appraisal of my house ($300-400) because different companies will only accept an appraisal from specific companies. we wanted to go to the ocean soon and we have like no money to do anything with. i just wanna go somewhere! anywhere!
one good thing, the mall is cutting back their hours starting may 1. mon thru sat 10-9 and sun 12-6. they're doing it to cut costs for non-peak times and i think it's long overdue. i'm most excited about sunday, but also no more staying til 10 on friday nights sitting there making no money waiting for time to pass. i don't make an hourly rate, i make commission, so i'm just going to get more time off as a result, i'm not going to make less money.
i think i'd feel a lot better about everything if i could just get a small vacation. i need to get the hell out of here.
i'm STILL trying to get my damn refinance done. i've been working on this since... december, possibly earlier. got all the way up until the week before i was supposed to close, and at the last minute DENIED! and the worst part is the reason why. the loan was supposed to be through wells fargo, the company i've been with for the past almost 5 years. i've never missed a payment, never been late, on anything ever in my life. my credit score is 750-760. but yet they denied my refi because too many OTHER PEOPLE in my neighborhood are delinquent on their condo fees. apparently they have some rule that if more than 15% of the neighborhood is delinquent then they won't do the loan. so many reason this is fucked up. first, what the hell does this have to do with me? i'm not delinquent on anything. second, i've been with this company for the past almost 5 years but they'd rather lose a customer like me who pays on time and pay extra (cause they gotta know i'm gonna find someone else to refinance me) and what, keep all the people who don't? i don't get it. anyway, i'm working with a guy at m&t now who is supposed to get me an even lower rate, but it's a 5 to 6 week wait for it because of the amount of people who are trying to refinance right now. i just want this shit to be over so i can stop stressing about it!
another thing that happened, i ordered an orioles jersey for richie's birthday from dick's sporting goods. it's the new road jersey, i know it's hard to find. i ordered it 2 weeks before his birthday, then i find out it will be 2-3 weeks before it's sent out. ok fine, it might be a little late. 3 weeks goes by and i send them an email asking where it is. they say they'll check on it and i'll get a response in 3-5 business days. a week goes by (this puts it at a month since i ordered) and they send me an email that says it's not in stock (although my first email with the tracking info on it had always called the order "found in stock") and said "call and we will gladly cancel your order". i called, only a few hours after receiving the email. i was just sick of waiting and figured i'd just get him something else since it was so late and didn't know when i might get it. they told me they may or may not be able to cancel it, because they thought it might have already been put through. no one could tell me whether or not my order could be cancelled, and i'm left not knowing when/if over $100 is being debited from my account. a few days later, it comes in the mail. they didn't charge me. i thought, good. then several days go by, and they finally take it out of my account. after much time has passed and i had already gone out and bought richie replacement gifts. so now i've spent a total of like $250 on his birthday, much more than i intended. happy birthday to him lol. i will never order anything from dick's sporting goods ever again. i sent so many emails to them asking specific questions and complaining about how i was treated and i always got form letters or emails not addressing the problems they didn't wanna deal with answering.
so richie and i are both pretty damn broke now. and i'll most likely also have to pay for another appraisal of my house ($300-400) because different companies will only accept an appraisal from specific companies. we wanted to go to the ocean soon and we have like no money to do anything with. i just wanna go somewhere! anywhere!
one good thing, the mall is cutting back their hours starting may 1. mon thru sat 10-9 and sun 12-6. they're doing it to cut costs for non-peak times and i think it's long overdue. i'm most excited about sunday, but also no more staying til 10 on friday nights sitting there making no money waiting for time to pass. i don't make an hourly rate, i make commission, so i'm just going to get more time off as a result, i'm not going to make less money.
i think i'd feel a lot better about everything if i could just get a small vacation. i need to get the hell out of here.