In Praise of HH Gregg - Continuation

Alrighty then We’ve gotten through the cars. Now I will move on to get you closer to where I was going with this. Closer – not necessarily there. I was going on about my luck with thing electronic & mechanical…while we’re on the subject, let’s not forget to include Sprint & the cell phone, ‘cuz, yanno, it’s electronical. . .I won’t go back over all the ugly details again, if you didn’t get em the first time, just click the links, they’ll take you to relevant posts.

So…last year, we moved right about tax time. Now I know houses aren’t mechanical, or electronic, but my “luck” apparently runs to them, too. I don’t think I’ve touched too much on that before, so I will do so now.

We lived in the same house for almost 7 years. We initially got it on a “rent-to-buy” type set up – the payments came outta Hunny’s check each week and were split between “principle” & “interest”. It was set up as a series of 6, five years leases, at the end of which we would “purchase” the home for $1. We also had the option to purchase at any point if finances allowed. After about 5 years, they did, so we went the mortgage route. Life was good. Our payment went from about $700 a month to about $500 a month. It was a fixed 30 year term. That’s supposed to mean your payment doesn’t change. Note I said supposed to.

But apparently, somewhere along the line, the taxes weren’t figured properly, so the amount we escrowed for them wasn’t right. By a whole bunch. On top of that, our mortgage was “sold” by the initial issuer – you know the one with human employees? That you could actually talk to..?It was bought by the Demon Store’s (Best Buy for you late-comers) big brother – The Demon Lender aka Wells Fargo.

I received a notice saying our payment was increasing by approximately (‘cuz I don’t remember the exact amount – I’ve slept since then) $200 a month. $200 a month! That’s a big jump on a “fixed rate mortgage.” I did what I could, and actually managed for a few months, but then I made a payment late. I freely fess up – I made the payment late. About 3 weeks so. And because I had jumped into that vicious cycle, each payment after that was about 3 weeks late. And the phone calls started. I tried to make arrangements with them, to send an initial amount, by a certain date,then add to each following payment, and I did so. But they claimed the payment arrived about four days later than it needed to, and hence, I “broke the agreement.” More phone calls.

I created a new agreement with “Haji” over the phone, and sent off more money on the date I agreed to. Again, it “arrived” late. WTF? I knew damn good & well I had sent it correctly. I‘m sure you can see the vicious cycle beginning here…? By this point, they want me to send them $800 “now” and $1000 a month to catch up. You see, every time I “broke” the agreement, there were additional fees…big surprise there, huh? For a minute, they almost convinced me I was the one fuc*ing up. Almost. I was very stressed, to say the least. But this time, I got smart. Rather than having my bank send it (something I rarely do, but it gave me an uninterested third party verification of when it was sent, so I had gone that way…) I decided I would send it Priority Mail, Signature Required. I got my receipt – with signature – back, and had verification that my payment had arrived two days before it needed to. But wonder of wonders, it didn’t post to my account until 5 days later. See where this is going..? Yep! Broke the agreement (and added hefty fees) again.This time they wanted another $1500  and $1200 a month…Not happening. My signature receipt..? Useless. As far as they were concerned, didn’t mean a thing. By this point, the combination of this & the fact that my car had burned to the ground was just too much for me. The stress was making me physically ill. Hunny and I decided we were done with them. But they had us screwed royally.

You see, they were reporting us 60 days out on the mortgage (we weren’t) and refused to revise it. On top of that, they were also the finance company on the Impala. The one that was now a burned out shell..? Now I know large companies tend to have large numbers of incompetent employees and poor communication, but what happened with the Impala borders on asinine. They were repoting us 90 days out on that car. The same car that my insurance company, and my GAP company had sent them payment in full for a month prior. (It gets better – a month after that they sent someone to our house to repo it!) Really!

What I was getting to was that not only were we screwed by them on our mortgage, we couldn’t refinance because we were screwed by them credit wise. Never mind every other account was reporting on time, consistent payments. Between the mortgage & car loan they were mis-reporting, no one would even look at a refinance…so we moved.

And I’m outta time :( So…..To Be Continued *grin*
See ya laterzzzzzzzzzzzzzz!!!!         

The Holiday "Spirit" My Opinion

Christmas is coming, Christmas is coming! My very favorite time of year. Samhain is past, and Yule is creeping up fast. Time to put up the pumpkins and skeletons and bats and other scary decorations for another year, and break out the Christmas stuff. Woohoo! Christmas trees, twinkling lights, images of Santa Claus and Father Christmas, ornaments, garland, and beautifully wrapped gifts. People are (usually) kinder this time of year - to everyone. It's something in the air - the Christmas Spirit! But what is the "Christmas Spirit"? Is it something caused by people just thinking that they need to be kinder during the season of giving? Or is it something more mystical? Is it an actual "spirit" or some sort of coherent "entity" that has the ability to affect the entire planet? Is there a spirit that powerful? I tend to think it just may be. Let's look at it...

Starting about the time Halloween/Samhain is over, the Christmas (and yes, I say Christmas - it's been "Christmas" in my world for 41 years, and I'm too old to change, and quite frankly, why should I? What difference does a name make, really? "A rose by any other name..." It's a holiday that almost everyone on the planet celebrates, that causes normally self-absorbed people to suddenly notice the world around them and feel a need to do something positive. Who cares what you call it - I just want to know how to make it last beyond December 25...) decorations start to appear in the stores. Any more, they're usually out BEFORE Halloween is done. I went to Wal-mart yesterday, and heard Christmas music for the first time this season! Again, Woohoo!

Once the stuff is in the stores, the "feeling" slowly begins to permeate the air. I think maybe the "Spirit" is in the physical "things." It makes sense... if you were a spirit that wanted to "affect" as many people as possible, what better way..? Everyone goes to the store sooner or later - even my storaphobic (is that even a word..?) Hunny! And the "stuff" isn't limited to stores, either. It's everywhere. By Thanksgiving (in the U.S.) you can't throw a rock and not hit something "Christmassy." Awesome, I say! So now we have a world full of "things" possibly inhabited by the "Christmas Spirit." Affecting everyone they come in contact with. That would explain why normally oblivious people are suddenly aware. Why all of a sudden misers become givers. Why stoics now feel a need to have their home looking Christmassy. And the more "stuff" one is exposed to, the more it affects them...

This theory then begs the question "If it is a Spirit or Entity of such magnitude, why doesn't it just infect everyone permanently?" Well, think about it. Can you imagine how much energy is required to have such an affect on almost everyone..? Does ANY entity have the ability to maintain something like that? My answer would be no, not indefinitely. That's why it is only this way once a year, for a month or two. The rest of the year is spent resting, recovering, and recharging, so it can be done again the next year. But it may be getting stronger... The cynics say it starts earlier every year due to greed. But what if it isn't greed? What if it is the "spirit" gaining strength, and thus the ability to affect us for longer periods? Is it really a bad thing that Christmas decorations come out earlier in the year than they did 30 years ago? Is it bad the people get into the "Holiday Spirit" at the beginning of November instead of the end? That people become more aware, and thus kinder, sooner? I don't see how that could POSSIBLY be bad...do you..?

I also think some are more easily affected - some like me, who don't "fight" it. Which in turn gives even more strength to the "Spirit." After all, the people who truly LOVE this time of year tend to be already aware, and therefore the "Spirit" doesn't have to exert energy on them. I have Christmas "things" in my home - and my workspace - all year round...  Although thinking on that, based on this theory, do you think I am  draining the energy, affecting people year-round..? Upon further thought, I'd have to say no. I'd say rather it's MY "Christmassy" energy infusing those things, hopefully having a similar effect on those who come in contact with them.

So there you have it - my personal theory about the "Holiday Spirit." From today forward, people will be more & more strongly affected by it. Each time you visit a store, or any location with decorations, pay attention...do you feel a little bit more compassionate? Not on the surface - on the surface you're liable to feel a bit frustrated and frazzled the closer we get to the Big Day. But inside, in the quiet place, don't you feel it? Compassion, kindness, empathy, a desire to help someone. Someone who truly needs help - and there are plenty out there. I make a point of doing my "good deeds" in ways many would never consider. I rarely give to any "charitable organization." I give to the young couple from Evansville, caught out of gas in the Camby Wal-mart parking lot at eleven o'clock at night. Trying to ask for assistance (which in itself takes courage) and being looked at by the "good Christian folk" with the "Jesus is my co-pilot" bumper sticker and the In God We Trust license plate like they are some kind of new bug species one wouldn't want to get too close to. I give to the young kids in the Speedway buying $2.38 worth of gas, with change. I give to the lady in the Wal-mart line trying to pay for her food with change. Granted, there isn't any tax deduction for these things, but since that's not what I am looking for, who cares? What there is, is people who will now (hopefully) at some point down the road, when they are able, do something similar for a stranger in need.

And that brings us back to the "Holiday Spirit" because isn't that what it brings about? A willingness to do something for someone in need, that will never gain one any acknowledgement outside of oneself? And as more people are willing and able to maintain that desire beyond the last two months of the year, the spirit is able to strengthen, and thus affect more people, more strongly, for longer periods of time...maybe one day, the "stuff" will never come down...