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Cursing ahead. - Spirit — LiveJournal
Cursing ahead.
Current Mood: crushed crushed
They fucking denied me for the debt consolidation loan. All I want is 5 grand you fuckers. I obviously can pay the higher interest credit rates, so why won't you take my damn money. I've never been fucking delinquent. Don't give me bullshit about new credit. I've had a credit card for 6 years now.

FUCKER. You and your pleasant voice. 'I'm sorry Mr. Melville..'

Screw you.

(in other news: my friend Lisa who just had a hysterectomy found out she has pockets of fluid trapped where her ovaries were. This hurts her. May have to drain fluid out if doesn't go away in a couple of days. Poor girl.)

At least I have cookies to drown out my sorrows in. Thank you hisdaffodil. And the honour of first birthday card goes to....My Aunt. Weird.
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melydia From: melydia Date: November 23rd, 2004 10:00 am (UTC) (Link)
And the honour of first birthday card goes to....My Aunt. Weird.

Do I get the honor of first birthday present? Or at least most random? :)
daimones From: daimones Date: November 23rd, 2004 05:21 pm (UTC) (Link)


Even though yours didn't say birthday present, we'll let you squeak by. And seriously, the most random.

I still can't get all the balls in the damn castle.
melydia From: melydia Date: November 23rd, 2004 06:20 pm (UTC) (Link)

Re: Well....

Really? I could have sworn I mentioned on the postcard that this was an early birthday present. Ah, well, it's been an unending source of frustration and amusement, which is really the goal in all presents I give, so it works well enough for me. :)
soulfire From: soulfire Date: November 23rd, 2004 10:47 am (UTC) (Link)
Mmmm cooooookies. Cookies can make nearly anything better I think, especially when they're fresh from the oven.


Sorry to hear about the loan, that really sucks. On a brighter note, you SHOULD have the package (at your mom's I'm assuming) :) Let me know if you don't get it ok?
hisdaffodil From: hisdaffodil Date: November 23rd, 2004 11:28 am (UTC) (Link)
oh goody you got 'em!

Sorry they're not fresh out of the oven though. The post office had a problem with the size of the oven and the need to keep it plugged in the whole trip over. Err....

Sorry about the loan. Although we got ours, it's almost been more hassle than it was worth. Try looking up American Credit Counselors, I think is the name. They're national, they did our consolidation loan. And if there's anyone with not so great credit, it was us!

And I'm pretty sure it added up to 5k. If not, they wanted to roll the student loan into it as well, which is like 15k right there. We didn't do that, cuz the payments were outrageous if we did.

anywho. *slurp*
puddleflood From: puddleflood Date: November 23rd, 2004 01:07 pm (UTC) (Link)
It took some time, and eventually yelling at a banker, before they finally told me why we get declined for these things... and it has less to do with the amount of time you've had credit than you'd think.

You probably went in the same way I did initially. You know you can afford to make the payments, and you know you're going to use the debt to pay off other debts, thus making your life easier. You go in expecting that they won't have any trouble giving you the money, because you're already paying it, right?

The bank is looking at it another way. They don't know that you're going to apply the loan to your debt. There's no guarantee. Just because it's called debt consolidation doesn't mean that you'll actually use it that way, and they know it. Furthermore, even if you did apply the loan entirely to paying off credit cards, there's no guarantee that you won't then use those credit cards again and have the loan payments as well. The bank assumes the worst, and has to look at the loan not as a replacement for your existing debt, but as a potential additional debt on top of what you already have.

Take that into consideration, and while we certainly don't like it, it makes a little more sense why they'd be hesitant to throw five grand at a twenty-something who's already got a credit burden. I wanted to strangle the guy when he told me, but at least I knew.

I eventually signed up with Profina (now "In-Charge debt management" or somesuch) and am getting rid of my debt that way. After a year anna half unemployed, it was that, or bankruptcy. I've been super happy with it so far.
wingedpixi From: wingedpixi Date: November 23rd, 2004 09:12 pm (UTC) (Link)
i hate to say it but hes totally right about how banks look at lending money... it sucksw and yet it doesnt... all i know is that pay the highest credit card off first .. i mean then one with the highest interest rate ... even if it just means paying the minimum on the others... and as soon as the one is paied off continue making the same amount of payments each only just put all the money you were putting to the one to the next and min on the others and so ona a so forth untill all is gone .... wooo ok im sure you really didnt need that but... yeah i should go to bed now
coriander From: coriander Date: November 23rd, 2004 01:30 pm (UTC) (Link)
I'm sorry to hear about the bank business. I have no advice, just sending you happy thoughts about that.

Happy Early Birthday! I forget when it is exactly.

And I hope you friend Lisa is ok. Many healing vibes sent her way.
vacillate From: vacillate Date: November 27th, 2004 09:59 pm (UTC) (Link)
Happy birthday, Jefe. I'm sorry I missed it! Lesigh.
daimones From: daimones Date: November 28th, 2004 03:39 am (UTC) (Link)
YOU! You best tell me where you've been.
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