which at the time was a bit of a “fuck you” to folk whose phones didn’t like them one bit and presented them as individual messages in their inbox.

Ha I had problems with the multi-message thing even a few years ago, sending messages from android to iOS. I tend to send very verbose messages, and the delay between them, as well as having it come through as text, made them a jumbled mess.

For a while I was putting numbers before every sentence if I thought the message was too long to be one message.

So glad that doesn’t happen anymore, tho we solved it by swapping to signal, I’m not sure the problem itself ever resolved.

I do the same thing. I’m also perfectly comfortable saying I was wrong if I was, and most people aren’t. I assume you are the same.

No one person can know everything. But learning and updating the information that shapes my picture of reality is something enjoyable. I’d like it to be as accurate as possible. It blows my mind that many other people aren’t like that at all. No intellectual curiosity whatever.

Though I do prefer more even-keeled discussion over combative tone. It’s just unnecessary and produces bad feels.

This is the second reference to elbows I’ve seen related to this topic, and I really don’t understand. Would you mind providing context?

Just like the constitution!

Fuck.

That’s a solid point. Most issues just stop being personal issues when they reach a certain magnitude.

The problem, as I see it, is all the damage that wave creates on its way through. Because it’s often a lot, like the tsunami depicted.

Fwiw, I believe in you and your ability to do the 2 hours of work!

I struggle to get shit done too, but it gets done, checkmate naurospicies! :p

I’m so glad it’s not just me thinking freedom mortgage is a fucked company. I mean the name alone says “we are here to fuck you”, just like every anti-democratic bill in the last 20 years being called “freedom peacekeeping against domestic terror” and it targets like gay people or smth.

Imho, give them hell. It’ll probably be a waste of time: they are super good at non-updates and shirking their responsibility…

But, you know, I’ve worked in call centers before and whenever anyone said anything about bringing in legal representation, our go-to was to escalate. I didn’t want to risk it with my mortgage company if I was empty-threating them, but when I had a viable threat of legal, boy did they jump.

So maybe for your instance, tell them you had a lawyer review the documents and found some inaccuracies between copies, and ask for a new copy to be sent to you, and maybe if you can spin up an alias that looks convincing, have them CC your “lawyer”.

It worked for me, and the call center I used to work for auto-escalated anything mentioning legal just as a default (people trained well handle well), so maybe that’s the ticket. But make it a credible threat. :)

Literally all of my communications with them was over the phone, or previously with a lawyer (not my lawyer).

I didn’t think they were ai, but there’s a solid chance that determines their… output?

The lawyer thing was for a parcel transfer with my neighbor (new owner) to get rid of an easement neither of us wants but has been there since the 90s because that property is non-compliant (built directly on the property lines around half of my property). That was almost 3 years ago. They forced my neighbor to do all sorts of surveys and shit, cost him $20k. I said right at the start that I’m thrilled to do this, but nobody will ever set foot inside my house for it (the property lawyer assured me I would never need to allow someone into my house for this, as it’s nothing to do with the house. And that’s normal.)

Anyway at the end of the process they demanded a full appraisal of the property including access to the interior of my garage and house. Nope! You definitely don’t need that for a parcel swap that I gain land on…? That’s so invasive and felt like they just want to know if my house is worth the risk of illegal foreclosure. (My neighbor and I now have a verbal agreement that when I sell or pay off the mortgage, whichever comes first, the the land swap will be implemented as previously discussed)

And part of the shenanigans they pulled with the insurance thing was to start sending all my mail to that lawyer… 6 months into the insurance shit, and a full 3 years after I’d last talked to the lawyer (who, again, was not even my lawyer, the neighbor hired her). She just emailed me like “why am I getting your mortgage statements?” And then sent them a really nasty lawyer email saying basically “what the fuck are you people doing??”

They just pulled a random mailing address out of my file… after 12 years of only sending shit to the property address… sent my check to her, unsigned. Super glad I didn’t listen to them and send a check I endorsed (they probably would have cashed it, but I was adamant they wouldn’t be able to cash the check; I already didn’t trust them after that property swap thing. So I adamantly refused to send a partially endorsed check.)

Imho…? It’s weaponized incompetence, not ai.

Sorry for the wall of text, I’m still pretty salty about the whole thing.

I recently had to deal with this shit from my mortgage handler. I wouldn’t do business with them if I could avoid it, but there’s nothing I can do. I have no say over who owns my debts.

They just wouldn’t endorse and return the check from insurance. No good reason for it, they just wouldn’t do it. They always needed more information.

Eventually I was just like look, the work has already been done for 6 months. My contractor is going to sue me if I don’t pay, and since you are the ones at fault for the delay, I’ll make sure you also get sued. I never consented to do business with you, and I wouldn’t. I do not trust any of you to be competent enough to do your jobs, and that’s pretty shit for such a big lender. This isn’t your house, and thus its structure and contents are none of your fucking business, the insurance check isn’t your money, thus you can’t hold it hostage for info that’s none of your fucking business, and if you don’t release it, well that’s on you, my contractor knows what’s going on.

Magically it only took a week after that to get it endorsed and returned. The sludge just somehow magically went away.

What did my mortgage company want that they were delaying so much? Information about my property that had nothing whatever to do with the insurance claim. Probably in the hopes that they could foreclose in the future. Because my house is worth a ton more than the debt they bough cost them.

This is also the company that wouldn’t allow me to refinance my mortgage to remove my co-signer and take out a bit extra to pay off debts… unless I wanted to take out more than the current value of the home (a loan I don’t remotely qualify for), and be upside down.

If you are in the US and are unfortunate enough to be stuck with freedom mortgage because your original lender sold you off to them, I’m sorry. If you are looking to get a mortgage, do your best to avoid them. Nothing you can ultimately do, though, as your consent to do business with them doesn’t matter and your only recourse is to refinance with another lender, or sell…

Insurance was it’s own little nightmare, and I’m also stuck there because my house is too old to be covered by most insurance providers (around 140 years old now; most insurance won’t cover anything beyond 100 yrs) and between the two things it was over a year from the storm until I paid my contractors for the work.

Honestly that caught me too.

I’d have to guess his family suspected/knew he was a piece of shit and wanted proof. Maybe he was also abusive? I don’t imagine someone like that would be like… super kind otherwise, you know?

You may want to look into installing used solar from solar farms. They have to periodically swap their panels and stuff, but they still work fine and have most of their efficiency/life left in them, but for a HUGE cost reduction over buying them new.

My dad recent got a decent payout for being the internationally trafficked childhood victim of one of these unwed mother homes…

Not worth his lifetime of trauma, nor the issues that came with being sold at age 4 to a “keeping up appearances” family that sent him away to boarding school on top of everything…

But it’s something… he’s mid 70s, so you know, totally enough time to use the money.

Maybe that’s what it was, idk. I’m terrible with parry mechanics but it was also a few years ago.

Did it need to be the right moment, though? I remember going through that canyon temple with the guardians and just standing and waiting for the attack with my shield up, and needing to reposition to get it to hit them back… but that memory might be incorrect…

The self checkout at the grocery here makes you have a worker check and enter your coupons for you. Even though they have barcodes. And cameras galore. And they mail you dozens of coupons every week.

What’s even the point of self checkout at that point? It took longer waiting for them to come check and approve my three coupons to save $1.50 than just going through regular cashier line, and I didn’t even get to avoid talking to someone. Did that twice and won’t do it again.

If they want me to work for them, I’m gunna need an employee discount. I hate everything about self-checkout. I have yet to find an implementation of it that is better than the default cashier experience.

(This is not meant as saying you are wrong for your preference ofc, I just don’t understand how people actually like them)

Lactose intolerance is rough.

Not who you replied to but: If you believe a soul is created at conception, and that fetuses that are never born alive and baptized automatically go to heaven, yourself being sent to hell would logically be a sacrifice for the greater good to spare suffering and guarantee a place in heaven for the embryos.

I don’t see how that refutes what I said about why people don’t want to pay for it…?

lol ok, sure.

In what way? Give examples plz.

Nobody wants to pay for all the little individual piecemeal services and shit, because it’s wildly expensive and inconvenient, and because they keep adding ads to the paid stuff anyway because greed, so what benefit is there to paying?