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maybemaybenot -> RE: Rant:Being unemployed is not a hardship (3/19/2011 5:41:28 PM)
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quote:
ORIGINAL: DomImus
Earlier you said that if they denied you on policy you could deal with it - which seems like what he is saying here but now you are like "wtf"? Whatever.
Yeah, I don't like WF, either. I was a happy Wachovia customer for years. I was car shopping in August just past and decided to hit up WF to see what their new car rates were. I've had to give less info to get a mortgage before. I just shrugged when they were done collecting their data and forgot about it. By the time I received their letter explaining that I was ineligible for some vague reason (despite having 30 years of flawless credit) I was already driving my new Civic that Honda Financial Services had no problem bankrolling at 0.9%.
One thing you are not taking into account is that the situation in the financial markets has changed quite a bit in the last few years. Perhaps you've seen a little about it in the news. There was a day when I could walk into my bank and get a car loan over a handshake and a cup of coffee and walk out with my check in less than thirty minutes. Even with my sterling credit times are different these days. You may think a simple phone call to that entity that you did business with for twenty years would have been all it would have taken but it might not have been that simple.
the " wtf " was in refernce to the idiocy of the policy. I do accept the answer I got, but it's an stupid policy.
Working ? Sure you can have a deferment, you have a hardship.
Unemployed: No you can't have a deferement, you don't have a hadrship
Call us when you get a job and fall on hard times.
Accepting something doesn't mean you have to smile and agree with it. Not does it mean I have to swallow the the unprofessionalism of the original woman I spoke to. I don't want their deferment. As I said, I will soon re write that loan with a creditor who actually has good business practices and God willing will never need to ask for a deferment again. But if I do, I want to be doing business with an institution who is willing to work with you, not against you.
Yeah, I have heard a little something about the financial market changes. I also know that I applied and recieved two deferments this month from rather large well established creditors. Very simple. Phone call to ask for one and splain my situation, immediate approval and run down to the local branch and sign some papers. I suspect those creditors would rather actually recieve their money even if it is at the end of the loan rather than risk non payment.
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I'm not glad to hear of other posters troubles, but I am glad to know that it is not " just me " who has had trouble with WF/Wachovia. And perhaps I'm just fortunate, but on the few occasions I have had to ask for deferment, extra time etc from a creditor, I have always been obliged with a smile and maintained a very good credit score.
mbmbn
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