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The Return of the Very Secret Refi Diary of Raymond, Son of Raymond:P - Blather. Rants. Repeat.
A Møøse once bit my sister ...
captainsblog
captainsblog
The Return of the Very Secret Refi Diary of Raymond, Son of Raymond:P
There are serious things going on in the world that have to be addressed. I can't just yet. Certainly it's nothing to laugh about.

My day, though? Laugh away. It can't make things any worse.

When we last refinanced our home in 2013, I posted about the near-daily struggles we were having with underwriters and other regulators to prove we were worthy.  This one had been brief and boring in comparison; they asked for relatively little stuff, and sent their approval a couple of weeks ago.  All we needed was to pay off three debts: the existing mortgage (derp), my car (little left), and one credit card of Eleanor's.

We'd authorized New Bank to get payoffs from all three.  By late last week, it was clear we wouldn't close and fund by the end of June- significant, because our current mortgage is a type that you owe the entire following month of interest for if you pay off on even the second of the month.  So I told them to shoot for late this week.  With the Monday holiday and a crazy couple of days after that, I didn't hear and didn't have time to bug them, so I thought it might be ready for us to sign by today. It has to be signed by next Tuesday under the commitment, so I got a little nervous and called yesterday, without response.

Overnight, I dreamed of snafus in the process- some underwriter suddenly wanted to know what some code was on some document.  So I planned to go to the branch first thing to check. First, though, I went into my little Technology Corner to start a process, and that's where our old landline phone number resides.  The one we barely use and rarely check.

It had voicemails.

Two from New Bank: nothing major, just a "little snafu" (yes, she used the same word) over needing an account number on our current mortgage. Easy to solve. 

The other two, from Old Credit Card Bank: calling Eleanor about possible fraudulent use of her account. I didn't even tell her; silly me, I thought it might have been triggered by New Bank requesting a payoff from them.

By the time I got to the branch in a light rain (this will be important later), the Old Mortgage problem had fixed itself, and the car payoff was in. But OCCB was giving her grief; even though Eleanor signed an authorization to provide information (common in mortgage transactions), they wouldn't tell New Bank anything unless either Eleanor herself was on the phone or she submitted a signed Power of Attorney.

We called, Eleanor at home and at the ready to jump on the line. Which is when we found out that the fraud alert was real.  Someone had used her card number to charge close to $2,000 of stuff in Dubai and Berlin (and they might've gotten more but the 2K probably came close to maxing out the limit).

So Eleanor's now dealing with two problems at once on a conference call through her cell phone, run through New Bank officer's phone. It took close to two hours, Eleanor eventually coming in to the branch and risking being late for work on account of it, but we think we've shut down the fraud AND have a viable payoff that will let the closing close.

Oh- and right before Eleanor got to the branch? Joan (our incredibly patient New Bank officer) was just sitting on hold with OCCB Customer Disservice; there was little I could do and I was now late for work myself, with a half gallon of milk for the office fridge in my back seat.  I was promised a call if I was needed and headed out to my car....

which wouldn't start because I'd left my freaking lights on.

We've been in a virtual drought here for weeks.  It's been so long since I've used the wipers on my car that when it rained for about two minutes yesterday, I forgot which switch worked the front ones versus the rear wiper. Overnight, it rained a little more, and it was drizzling this morning, so I put my headlights on and left them that way when I got to the bank.  It makes a dingy-noise, but all of this is a little distracting, yaknow.  An hour-plus later was all it took to drain the thing; hybrids have separate small batteries that run what batteries do on regular gas vehicles, and it was shot.

Finally, though, luck turned.  The AAA guy was literally in the next parking lot, and I got it jumped in under 10 minutes from my call.  I've made it to work and nothing bad has happened in a whole hour.


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Comments
glenmarshall From: glenmarshall Date: July 8th, 2016 09:07 pm (UTC) (Link)
Well, as you know, banks are like the twisty little passages in the original Adventure game.

FWIW, my credit cards all have an automatic notification (cell phone message) if something unusual happens. I flag all foreign transactions and anything over $500. That has saved me a couple of times. I also download transactions to Quicken every morning, which has also saved me a couple of times. Vigilance is the price of credit.
tilia_tomentosa From: tilia_tomentosa Date: July 10th, 2016 12:33 am (UTC) (Link)
So how are things going now for you?
captainsblog From: captainsblog Date: July 10th, 2016 02:47 am (UTC) (Link)
Supposedly we'll be cleared to close first thing Monday. I will probably have to make a $100-ish payment to Old Bank just in case they don't get the payoff by the time the bill comes due next week, but we won't be expected to pay the stolen charges, and in time the 100 should come back to us.
tilia_tomentosa From: tilia_tomentosa Date: July 10th, 2016 09:49 pm (UTC) (Link)
*crosses fingers*
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