Strix, here if you need another ear.
In meme news, after six months of dicking us around, asking for the same pieces of paperwork over and over again, lowering my credit score 40 points due to checking my credit 14 times for no good reason, and charging $600 for an appraisal, Bank of America (heretofore known as Fucking Evil Bank, FEB) has decided that in order to qualify for a $50,000 15-year refi mortgage on a condo worth almost twice that, we need to have $15K, that's right, fifteen-thousand fucking dollars, in our savings account. This is for a loan that would have a monthly payment of $350.
I am livid and defeated and so depressed I don't even know what to do. We had borrowed $4250 from a family member to make up the cash reserve they had originally asked for, and we were counting on the refi to pay that back this month rather than in July when ND gets the first Universal check for Halloween. Now not only can we not consolidate the debt we were trying to consolidate, we also can't pay back the family member for at least 6-8 weeks.
I hate them. I fucking hate them. They embody every corporate stereotype about Big Banks that make people despise them so much.
And one more post because I just don't know what to do.
JFC Pix- that is beyond awful. I can't even wrap my head around it. I hate them too.
Pix, that is awful. I'm so sorry. Have you tried a credit union?
Because the property is not our primary residence and is out of state, no credit union will fund us. We are stuck with the national banks.
And thank you both for the sympathy. I can't remember the last time I felt this helpless.
That really sucks, Pix. I wish I could think of something supportive to say.
Oh crap. I didn't go back and read before venting. Good on you, sj, for pulling off the proverbial band aid. Zen, feel better (I think I'm getting sick, too, in misery-loves-company news).
I'm so sorry, Pix. That's so grimly consistent with my (mercifully, comparatively brief) dealings with BoA, and with every rageful broken contemptuous thing I've ever heard anyone else say about them.
I'm sorry, Pix. That would be so infuriating.
