SERIOUSLY???!!!!

I had a bad day.

So, I have this house closing three weeks from tomorrow and I'm sort of not employed and it's all rather uncertain whether this will be a problem. Are you feeling a little stressed out?

The bank has been trying to get in touch with me, so today, I decided to give up on trying to use their main number to get a hold of an associate at the branch (I kept getting kicked over to the automated banking.) Basically, I realized that I was going to have to go over in person to find out what was going on and straighten it out.

I should preface this next part with a little background. Two years ago, after my 13 year old Honda Accord dropped dead on the side of the road, I bought my very first new car. I got a Civic Hybrid. I love my car, have since the day I got it. I love everything about it! The teenie little turn radius! The amazing gas mileage! The fact that I can park it anywhere! When I was asked to fill out a customer satisfaction survey, my only complaint was that I didn't have a particularly good way to hook my iPod up to the stereo. Two and a half weeks after I got my car, I was rear ended at a stop light when the car ahead of me didn't move but the car behind me did. It was a stupid 17 year old punk in a Lexus. I was so angry I called the police. I didn't think I could just exchange insurance information with the kid without assaulting him. My brand new car!!!!

This afternoon when I walked out to my car to go to the bank, I found that someone had scraped the side of my driver's door and the mirror while it was parked in front of my sister's house and not bothered to leave a note or anything. Nice. I always leave a note. Okay, both times I have left a note. But let's be honest, in your current situation, you just don't have your $500 deductible to spare to have your car fixed so this is particularly irritating. Oh, who am I kidding, it's freakin' infuriating!!

But we're just getting started...

After waiting a large portion of my thirties at the bank, I meet with the bank manager and one of the associates and get this ~ my mortgage with it's rate expired at the end of June! One would think that might have come up in conversation when I spoke to the loan officer on July 6th or possibly in our written and fax correspondence the week of July 12th, but no, it's coming up now. What does this mean you ask? (Or actually, I asked as well.) I need to reapply for a mortgage. SERIOUSLY? Seriously.

The loan officer just wants the original application resubmitted, so we included all the original information, exactly as it was stated the first time around. Whatever. I made a point of not signing anything ~ I don't want to have any fraud allegations. And apparently (big surprise) the fact that you're unemployed (ie. have no income) does not show up on your credit report!! I know, how insane is that??? I lost my great interest rate, but only by 0.25%. I could have gotten it by paying points at closing, but I was feeling a little cash poor.

Then I was off to Sears to buy my washer, dryer and refridgerator while the 20% rebate for purchasing three was still on, but before the tax free clothing holiday hits and the mall becomes a madhouse of back to school shoppers. After that my credit card was flagged at another store and they had to call in to the bank and verify my i.d. and I had to give them all my super secret passwords.

In all honesty, I would hope that if someone were to steal my credit card, they would do something more fun than purchase large appliances at Sears. I would have at least hit the Apple Store!! And seriously, if it was a thief, we're talking seriously stupid ~ they scheduled delivery!!!