They get, we lose

If you ever have time to kill, money to waste, and want to speak with some very interesting people then call Country Wide Home Loans.....no this is not a pay per post or anything of the sort. They aren't giving us a thing...that's for sure...except the end of the stick nobody needs.

Over a year ago I did request a modification so our interest could be lowered from double digits, and that our ARM be locked in. We had already experienced the multiple layoffs, and it wasn't due to the election, so let's not go there.

Over two years, my husband had been laid off twice, and this hurts the budget. We are one of the millions that live on a budget, and when the main source it cut off, well, you come up short. Single digit interest rates sounded good and would surely help ends meet.

Well, a year passed, and guess what? We got out modification or whatever it is. Now, I bet you are probably feeling what I have felt about all the bailouts people get to compensate for overspending on housing..........wrong!!! We still have double digit interest, a higher monthly payment, and owe more than we did on the house. Now, I am not a rocket scientist, but something sounds strange to me.
I was in regular contact with CW, and I never talked to the same person twice. They always told me that I would get back to the same department, but was not assured of speaking to them. Well, they knew their business there, I never got back to the same department. Phone numbers were disconnected that I had used only a week ago.

Now, there were some who wanted to help....they need a halo. I think they knew what little they were told, and wanted to have their client know they weren't in this alone. Bless, them...the meek shall inherit and I hope they do.

How can people working for the same company have so many different answers to the same question? It's totally awesome how a big company can bounce you around for so long, and then end up screwing up everything. Then, you get a young man who has the gaul, after a year of this mess, that asks you how you ended up in this situation with your payments???????????? What mess, and what business is it of his. All we wanted was to keep the ARM from adjusting...too much to ask for? At this point I don't have faith in too much of anything. I have two weeks to decide what to do.....but remember they had a year to piddle and fiddle with our home.

I love the department names....Hope, Heart, etc. Why don't they tell you about the we don't give a crap department or the shaft department. I do believe there is an evil spirit running around in all the departments playing with the paperwork and computers. Oh, and one department cannot see the carefully guarded "loan folder" from the other. How, why, when, where......what do ya do?

Bad boy, what ya gonna do when they come for you??? Take the additional millions and play with other peoples' minds, hearts, and homes? We started this thing last July, and we never wanted anything free. I don't want to honk when I see the bumper stickers about the honking if I am helping to make your house payment or whatever they are.

It concerns me and should everyone who pays taxes...the fact that they are getting this money, but evidently still do not know how to run a company. I can only speak of CW home loans, but it seems the government needs to send a person with the money to help them learn why they got the money. Remember, I don't want the money to help us...but, our situation taught me very quickly that they simply don't give a damn about their clients. So why should they worry about where our tax money they were given goes. Lord knows, the heart department doesn't have a heart, the hope department gives no hope, and let's just pray as a nation that there is no brain department....well, I really don't think we have to worry about that one.

Missing loved ones

Here's summer! Celebrations are numerous. Monday we will be celebrating and remembering past and present heros. I can't help but think of all the families that are missing loved ones who are serving our country in other parts of the world. My best friend's son left for Iraq at the beginning of May.

My family is planning a cookout for Monday. We will all be together, except for my 20 year old daughter. She has been in Kentucky since February 26, and I miss her so much. Monday will not be the same without her. I will put on my happy face, but my heart will be empty. She has chosen to live with her boyfriend and his mother, both of whom are not like my family. We are just on another level, no we are not snobs. We are hardworking, honest, good people. They live differently with life values and moral values that are not what they should be. Unfortunately, my daughter, who has always been strong-willed, is supposedly in love and evidently not thinking. It's like she looks for people to help. I don't understand and hope that one day I will. She has a nice home, loving parents, grandparents and cousins, aunts and uncles...all that love her dearly. I know she is better than what she is living, why can't she?