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The economy finally hits me; Foaming rant
Topic Started: Sep 11 2009, 06:47 PM (921 Views)
Free Rider
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Fulla-Carp
***warning FOUL LANGUAGE alert*****






I just watched Jon NYC's video...the comedian who thought it was so fcuking funny that he was fcuking broke... Yeah..well get this.

Mrs. FR and I re-financed our house a few months back. The mortgage company we had then was Taylor Bean and Whittaker. So they hold a sh!tload of $$ in escrow to pay property taxes. When you refinance they give that money back to you (since it's already fcuking yours). That's in ESCROW....it's not supposed to be...Fcuking...Fcuk!!

So we get a check for $2000.00 and change...which we fcuking need to pay our fcuking property taxes...and yesterday the fcuking check gets sent back...insufficient funds!!! It's Fcuking escrow money assholes!!!! So my wife calls Taylor Bean and Whittaker...waits over an hour on hold and some fcucking fcuk tells her TB&W is in chapter 11 bankruptcy and their assets have been frozen by the gov't. What the good gracious fcuk??

What about my fcuking escrow? Fcuking gone...never see it.... $2000....what am I supposed to pull that outta my ass? Bouce a check to the county treasurer and tell them to suck balls and talk to TB&W? I bet that'll work like a rubber with a hole in it.

This is the first time I've ever been ripped off by a lending institution bunch of bloodsucking weasel dicks. It feels just as bad as if someone mugged me, beat my ass and stole it right from my wallet. Those fcuking maggot eating little beanbag fcukers.

Legal recourse? Travel to Florida and take 'em to court there. Yeah right...that's really worth it. Fcuking fcuk.

So that's my rant. Sorry for all the fcuking swears. I hate feeling helpless and fcuked. Welcome to the recession. :veryangry:

****End foul language alert******


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Frank_W
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Resident Misanthrope
Man.... That sucks so hard... I'm really sorry, FR. And here, I thought we went through some bullsh!t with Hells-Fartgo! What they did to you was fraudulent in the extreme.
Anatomy Prof: "The human body has about 20 sq. meters of skin."
Me: "Man, that's a lot of lampshades!"
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Free Rider
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Fulla-Carp
Yeah, we stick to a budget, have been responsible with no late payments and such...

There goes a chucnk of our savings. I wonder where that $2000 actually goes? It becomes a number on a computer screen and that's it...

Bogus.
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Free Rider
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Fulla-Carp
Frank_W
Sep 11 2009, 06:55 PM
Man.... That sucks so hard... I'm really sorry, FR. And here, I thought we went through some bullsh!t with Hells-Fartgo! What they did to you was fraudulent in the extreme.
PS Frank I just hope you get your escrow from the previous note you had.
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Frank_W
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Resident Misanthrope
Well, we aren't counting on it, so if it comes, it'll be a nice surprise.
Anatomy Prof: "The human body has about 20 sq. meters of skin."
Me: "Man, that's a lot of lampshades!"
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blondie
Bull-Carp
FR,
It's good to rant.
I'm glad you did it here.
I'm so sorry :(
:hug:

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Mikhailoh
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If you want trouble, find yourself a redhead
Sorry that happened, FR.
Once in his life, every man is entitled to fall madly in love with a gorgeous redhead - Lucille Ball
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Frank_W
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Resident Misanthrope
P.S. It would be good to get Quirt's input on this. Something really stinks, here.
Anatomy Prof: "The human body has about 20 sq. meters of skin."
Me: "Man, that's a lot of lampshades!"
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Free Rider
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Fulla-Carp
Thanks you guys...I appreciate it, I don't like ranting very much. It is really strange to be ripped off so...well...quietly by a faceless corporation.
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Frank_W
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Resident Misanthrope
Ranting feels GOOD!! It's like discovering a Sam Kinison gene inside of yourself that you never knew you had... :lol2:
Anatomy Prof: "The human body has about 20 sq. meters of skin."
Me: "Man, that's a lot of lampshades!"
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Free Rider
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Fulla-Carp
Turns out I'm not the only one. read this:
http://www.consumeraffairs.com/finance/taylor_bean.html

It's exactly like our situation.
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Axtremus
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HOLY CARP!!!
Sorry to read that this happened to you.
Very sorry. :(

May be there should be an FDIC-like entity that back-stop all these escrow money.
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Free Rider
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Fulla-Carp
Axtremus
Sep 11 2009, 07:31 PM
Sorry to read that this happened to you.
Very sorry. :(

May be there should be an FDIC-like entity that back-stop all these escrow money.
Thanks, Ax. I have little faith in that. It would cost us more to fight this than it would to take the $2000 hit.

Sadly that website I just linked had 25 pages of similar complaints.

Theft is theft....even if it comes in a neatly packaged envelope with a crisp corporate logo.

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Improviso
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HOLY CARP!!!
Sorry to hear FR...

Don't know if this will help, but check this out. All may not be lost.

http://www.realestaterama.com/2009/09/04/answers-for-homeowners-with-freddie-mac-loans-previously-serviced-by-taylor-bean-whitaker-ID05951.html
Edited by Improviso, Sep 11 2009, 07:48 PM.
Identifying narcissists isn't difficult. Just look for the person who is constantly fishing for compliments
and admiration while breaking down over even the slightest bit of criticism.

We have the freedom to choose our actions, but we do not get to choose our consequences.
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Free Rider
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Fulla-Carp
Thanks Improv. I'm not holding my breath but I appreciate that link. Has anything like this ever happened to you and Plays?
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Improviso
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HOLY CARP!!!
Fortunately, no.

We did just pay off our house and received an escrow refund check which didn't bounce. But our mortgage was held by a big name bank and didn't get sold to a mortgage servicer, thank god.
Identifying narcissists isn't difficult. Just look for the person who is constantly fishing for compliments
and admiration while breaking down over even the slightest bit of criticism.

We have the freedom to choose our actions, but we do not get to choose our consequences.
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Horace
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HOLY CARP!!!
Sorry FR. This really sucks.
As a good person, I implore you to do as I, a good person, do. Be good. Do NOT be bad. If you see bad, end bad. End it in yourself, and end it in others. By any means necessary, the good must conquer the bad. Good people know this. Do you know this? Are you good?
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kenny
HOLY CARP!!!
FR you don't deserve this. :(
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Axtremus
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HOLY CARP!!!
One more thought just occurred to me:

Is the lost of escrowed money tax deductible?

Any accountant or tax attorney know the answer?
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ivorythumper
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I am so adjective that I verb nouns!
i am very sorry to hear this, FR, it is appalling. I would certainly contact your county tax assessor with documentation and see if there is some avenue to get a waiver or something.
The dogma lives loudly within me.
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apple
one of the angels
that was a good rant.

man - feel for you dude.. mr. apple would be livid and i would be too
it behooves me to behold
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Larry
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Mmmmmmm, pie!
I thought money held in escrow had to be put in a special escrow account, and that even the government couldn't seize that since it isn't the mortgage company's money. It's also a criminal offense for escrow money to not be there, but in this situation I don't know that that would apply.. just thinking out loud...

Of the Pokatwat Tribe

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NAK
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That's just an all-around sh!tty situation, FR. Sorry you got stuck in it. :(

Bravo on a truly stellar rant, though. :thumb: Lewis Black would be impressed.
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jon-nyc
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Cheers
I was thinking along the lines of Larry - I wish one of our attorneys would chime in. I think I'll ping Jack.
In my defense, I was left unsupervised.
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Aqua Letifer
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ZOOOOOM!
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Sep 11 2009, 07:10 PM
Thanks you guys...I appreciate it, I don't like ranting very much. It is really strange to be ripped off so...well...quietly by a faceless corporation.
That's why I'm not too keen on trusting them faceless corporations if I can help it. Wayy too impersonal, especially if there's a problem. And this one's a big problem.

Really sorry to hear that, man. :hug: There's got to be something you can do? Talk to the county maybe?
I cite irreconcilable differences.
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