Thursday, April 9, 2009

how does one spell anal?

U-n-d-e-r-w-r-i-t-e-r-s.
The darn underwriters refused to believe us that we had paid a bill to a cable company 2 years ago. they also refused our final bill marked paid as proof that we actually paid.
We write to the cable company requesting the proof in a copy of our final bill marked paid AND a written letter from the company to our underwriters assuring them we haven't left them unpaid and are not in collections for the matter.
That paper was supposed to be the end of it, but no, that would be too easy, right?
Our cable company sent us to collections 2 YEARS AGO over a bill and we took care of it as soon as we got the first notice.
Now the underwriters are freaked out and want the collection agency to sign off as well. The collection agency refused to talk to our mortgage broker, so Mike had to call. It seems the people we would talk to about it are gone for Easter and it take a couple of days to process our request when they come back... then they mail it. they don't FAX. After the underwriters get it, it'll be two more days - one for signing, one for getting the keys.
So I called my mom to put off the day I come to get her.
All of this over a bill we paid two years ago. Why are they so weirded out over it? I am told the collections agency can out a lien against the house. For a bill with a balance of ZERO. It's marked paid and already deleted, but the notice of deletion is still a mark on the credit that won't disappear for 30 days hence.
Why am *I* so weirded out? Because even if the collections agency sees our request and takes into consideration we sent that request Thursday, seeing that as the 2 days to process it and sends it by Monday, AND sends it fax instead of snail mail, then we get to sign the papers Tuesday and get the keys Wednesday..... which is all very unlikely.... Wednesday is that last day of the extension we signed. Even if it all goes smoothly from this moment on, the seller would have the right to change his mind and consider us in violation of the agreement, send us our Earnest money and sell to someone else.
THAT worries me.

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