Showing posts with label mortgage. Show all posts
Showing posts with label mortgage. Show all posts

Wednesday, September 14, 2016

Such A Disappointing Day

All the way down to Americas Got Talent.  That little girl has only one song.....they all sound exactly the same. How could she beat out the Clairvoyants or Jason Crumb, who can a actually sing, by the way.  That little girl cannot sing at all.

Remember the insurance check?  Frank took it to the bank, along with the stamped, notarized document that we received when we Clerk of Court registered the mortgage dissolution when we paid it off and statement from both the bank itself and FEMA saying there is no mortgage.  But the manager looked up our info and didn't find a mortgage, so she "couldn't sign anything or deposit it to our accounts".

DUH!!!!!!  The fact that you didn't find a mortgage means no mortgage!  The original mortgage was with Bank One, which was purchased by Louisiana National Bank, which was purchased by City National and is now Chase......it is no wonder there is no record.

I can't imagine what they expect us to do next.   But whatever is is, it should be interesting.  If I could be sure we would get a male bank person next, I would wear a top showing a lot of cleavage.

I am not beyond that, you know.

The fireplace.  O......M........G........what an ordeal.  After I sent a truck to pick up the fireplce and piping, the construction crew all of a sudden decided they didn't want to install.  So I called to add installation and was informed it would be 5 weeks before it could be scheduled.  And we have to tear out what drywall is left in the laundry room so the firebox can be put in from the rear. And the shelving we didn't think we needed to take out.

And I can't put the washer and dryer in there until that is all done..........and the friend who is washing our laundry now is leaving in a week for a two week vacation.

Now I will have to sit for two have hours at Carrie's when I need a load done.  And wait for Frank to be home with the truck since I have no vehicle.

It gets better.  Frank came home early yesterday so I did get a chance to go to the Honda dealership.  They did not have a Pilot on the lot.  The 15 year old twerp who was next up on the sales line was a jerk.  I wanted to see the CRV and the Pilot side by side.  Once he realized I may buy the more expensive Pilot, he would not even get the keys to a CRV to even let me see it.  He kept trying to double talk and talk around me.  I left, walked out.  I guess I need to just go out to Gonzales one day and talk to my friend Mike again. 

So I contacted 6 dealerships within three hours drive and found they have a total of about 10 Pilots in the Southern Louisiana area, none of which has a navigation system.  The ONE think I definitely want in my next vehicle is the navi system. 

When I told you I take a step forward, and I get knocked back three......it was no lie!







Saturday, September 10, 2016

Today's Most Recent Problems - Geez!

Today we received the first insurance distribution amount.  Small, in compared to what we have already spent, but at least it is something.  However........

Even though we have documents, and even documents showing where we filed said documents with the Clerk of Court, that we paid the house off over 20 years ago, they STILL wrote the check to me, Frank AND the mortgage company.

WHAT?

The bank we use is the same one that carried the mortgage all those years ago, and they wouldn't deposit the check to our account until they "researched" the information.  Of course they didn't have time to research it today.  I guess they thought we might have faked the documents to get $10,000 we weren't entitled to.  Anyway, no money went into the account.  Luckily, we have resources so we can still pay for the stuff we are buying like sheetrock, labor and printers. 

We bought a printer yesterday.  Mostly because it really is a necessary electronics component to any household.  But more so because I needed to scan the estimate from the contractor to send to the adjuster.

And I need to turn in my old car's plates.  Both vehicles were totaled by the insurance company so I have to turn the plates back to the state before I face fines of $525 per day.  The state keeps saying, You MUST print out a receipt or we will have no record of your transaction!  Hence, printer necessary.

Over 70,000 vehicles were flooded and at last estimate I heard the Office of Motor Vehicles was handling over 600 of these de-registrations per day.  I don't want to stand in those lines!

They announced an online option for this flood event, but took 2 days before it became active.  Now I can "turn in" the plates online and just destroy the actual license plate.

I wonder how I will accomplish that?  It is pretty strong!  Super Woman, they think I am. 

Of course, the printer fought me every step of the way.  Frank's computer went under water when the piece of furniture tipped over, plunging it into floodwaters.  the new one his company sent him does not recognize our network.

Of course, there is all sorts of administrator controls on it.  They want to make sure he is not looking at naughty sites, I guess.  More power to him, I certainly don't look like that these days of no mirrors and an only recently acquired hair dryer and brush!  Actually I think he might be too tired to even want to look at naughty sites these days!

Andrew had to come over and get it to scan and print from my computer at least.  Of all the things we lost, the one I really WANTED to lose is this stupid computer I have.  And it is one of the few things that survived!  Go figure.

I can honestly say, nothing (NOTHING) has been easy.  I am so grateful for friends who help us maintain the sanity that is barely there.  Even so, it has been hard on those who have not flooded and are watching their friends and family deal with things.  There is a lot of survivors guilt.  Even though my friends have gone above and beyond to help feed us, shower us, house us (and the dogs), demo the house, keep hot water in the camper -- they still feel the emotional and physical strain we all are dealing with. 

Days are long, nights are filled with visions of things we want to forget and our hearts are broken.   But the grass still grows, the rain still falls and the mosquitoes still bite!

We keep going on and on, we kinda have no choice.