Okay, who released the Zoo?
May. 25th, 2006 06:30 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
baronessekatSeriously today was the day of assholes, idiots, poopyheads and nitwits.
Did someone let the freakshow out on a day pass and not warn any of us unsuspecting citizens?
Started average enough for a Thursday.
Then our overnight mail delivery arrived. I wanted, expected and needed a deed package to be amongst them. The client sent me the contract YESTERDAY with a closing date of TOMORROW. Now I had known it was coming and had already updated the tax receipts and stuff just needed the contract for the deed forms. I emailed the forms to the client with big bold red letters saying that we needed them signed and back in our office today if we are to close tomorrow. Even gave "Thursday May 25h" as the date needed to ensure they couldn't quibble. But nope. No deed forms back. Now they are going "why can't we close tomorrow?"
Then came the other headache...
a little over a week ago one of our biggest clients transfered a file from an incompitant attorney's office who said "can't be done" to us because they know we can do it. In less than a week we accomplished the "impossible". All we needed was for the client to tell us if the old attorney had sent the deposit money to them or if they were supposed to forward it to us. That and the signed deed forms. The deed I expect to take a bit as this is a US Marshal property and usually those forms have to be sent all over the country for various governmental big wigs to sign. Also, the management firm of the building that the property is in was wanting to charge our client close to $30K in legal fees and stuff that our client doesn't want to pay.
Now, client BIGKahuna emails me and co-worker asking why haven't we closed? this should have closed by now. I email back saying I'm still waiting for client Supervisor and clientPeon to answer the emails I sent twice asking status of Deed and money so I know where things are. client Supervisor emails us all going "oops... Peon what's the status?". clientPeon the through the email explains to BIGKahuna and Supervisor the issue about the $30K issues. Now, all these people are in the same building. Why they couldn't have talked to each other before asking us and implying that it was us holding things up is beyond me.
The comes Attorney Nitwit. Associates Capital foreclosed on a property. By deed they now own the property. Contract for this property comes in from Citifinancial. I obtain the documented proof that Associates Capital, during the span of time between foreclosure and sale, has now become Citifinacial Mortgage Company. Nitwit Attorney says "I need a deed putting the property from Associates to Citifinancial". No you don't. they are the same thing, hense why the deed to your client says "Associates Capital, Now Known as Citifinancial Mortgage Company". I tried to explain this to Nitwit. The closer tried to explain it to the Nitwit. One of our ATTORNEYS tried to explain it to Nitwit. I'm not even sure the Nitwit still understands that banks become other banks like people change underware.
Then there's the asshole. Stall tactic #479. Closing is tomorrow (they have already had 2 extensions). Attorney calls and says "the deed says the Seller is LaSalle Bank. Contract says EMC Mortgage Corporation". I explain that EMC is a servicer for LaSalle. HE wants a copy of the POA. No problem. He would have gotten a copy anyway had he let us get around to sending him the stuff needed for closing. I then realize that the contract and Deed were signed by Integrated Assets, a different servicer who acts as an agent for EMC. And seeing the Stall tactic coming, I produce, POA for EMC to act for LaSalle. the POA for Integrated to act for EMC and the POA for Integrated to Act for LaSalle.
Finally another client sends me a contract at 3:50 (I leave at 4:30) with a closing of June 7th but they want to close before the end of the month as it's a cash deal. I sigh and start working on it. Then see, that three days ago we notified the client that title and property were not clear. There is no way we can close before next Wednesday (not with a holiday in the between).
But I'm home now and get to listen to idiot redneck's next door blasting their music. now I like Johnny Cash and Charlie Daniels but when I'm sitting next to the TV speakers and have trouble hearing, that's just too much.
Did someone let the freakshow out on a day pass and not warn any of us unsuspecting citizens?
Started average enough for a Thursday.
Then our overnight mail delivery arrived. I wanted, expected and needed a deed package to be amongst them. The client sent me the contract YESTERDAY with a closing date of TOMORROW. Now I had known it was coming and had already updated the tax receipts and stuff just needed the contract for the deed forms. I emailed the forms to the client with big bold red letters saying that we needed them signed and back in our office today if we are to close tomorrow. Even gave "Thursday May 25h" as the date needed to ensure they couldn't quibble. But nope. No deed forms back. Now they are going "why can't we close tomorrow?"
Then came the other headache...
a little over a week ago one of our biggest clients transfered a file from an incompitant attorney's office who said "can't be done" to us because they know we can do it. In less than a week we accomplished the "impossible". All we needed was for the client to tell us if the old attorney had sent the deposit money to them or if they were supposed to forward it to us. That and the signed deed forms. The deed I expect to take a bit as this is a US Marshal property and usually those forms have to be sent all over the country for various governmental big wigs to sign. Also, the management firm of the building that the property is in was wanting to charge our client close to $30K in legal fees and stuff that our client doesn't want to pay.
Now, client BIGKahuna emails me and co-worker asking why haven't we closed? this should have closed by now. I email back saying I'm still waiting for client Supervisor and clientPeon to answer the emails I sent twice asking status of Deed and money so I know where things are. client Supervisor emails us all going "oops... Peon what's the status?". clientPeon the through the email explains to BIGKahuna and Supervisor the issue about the $30K issues. Now, all these people are in the same building. Why they couldn't have talked to each other before asking us and implying that it was us holding things up is beyond me.
The comes Attorney Nitwit. Associates Capital foreclosed on a property. By deed they now own the property. Contract for this property comes in from Citifinancial. I obtain the documented proof that Associates Capital, during the span of time between foreclosure and sale, has now become Citifinacial Mortgage Company. Nitwit Attorney says "I need a deed putting the property from Associates to Citifinancial". No you don't. they are the same thing, hense why the deed to your client says "Associates Capital, Now Known as Citifinancial Mortgage Company". I tried to explain this to Nitwit. The closer tried to explain it to the Nitwit. One of our ATTORNEYS tried to explain it to Nitwit. I'm not even sure the Nitwit still understands that banks become other banks like people change underware.
Then there's the asshole. Stall tactic #479. Closing is tomorrow (they have already had 2 extensions). Attorney calls and says "the deed says the Seller is LaSalle Bank. Contract says EMC Mortgage Corporation". I explain that EMC is a servicer for LaSalle. HE wants a copy of the POA. No problem. He would have gotten a copy anyway had he let us get around to sending him the stuff needed for closing. I then realize that the contract and Deed were signed by Integrated Assets, a different servicer who acts as an agent for EMC. And seeing the Stall tactic coming, I produce, POA for EMC to act for LaSalle. the POA for Integrated to act for EMC and the POA for Integrated to Act for LaSalle.
Finally another client sends me a contract at 3:50 (I leave at 4:30) with a closing of June 7th but they want to close before the end of the month as it's a cash deal. I sigh and start working on it. Then see, that three days ago we notified the client that title and property were not clear. There is no way we can close before next Wednesday (not with a holiday in the between).
But I'm home now and get to listen to idiot redneck's next door blasting their music. now I like Johnny Cash and Charlie Daniels but when I'm sitting next to the TV speakers and have trouble hearing, that's just too much.
