They were paid in full on 5/28 they took $1,253 from our account this morning anyhow, overdrafted it fucked our account over and it's goign to take 5 days.



I ******* hate banks the dude on the phone does not understand that there is no place to magically make $1253 to cover the overdraft for 5 days, if I don't have it I don't have it, unbelievable.

hmm that sounds familiar is it a florida based mortgage company? or from back home?

Holy **** man that ******* SUCKS!



I been there before once, my insurance company withdrawed twice, and I had barely enough to get by after the first payment was removed, then yeah I had overdraft so I raised the biggest **** storm ever, took all day but I got my money back the next day..



They don't listen when you say I NEED THAT MONEY TO LIVE AND EAT AND BUY GASOLINE you have to keep repeating yourself



Best of luck to you man!

chase manhatten is nationwide, they are a huge mortgage company. Like Colin said they simply do not understand that I don't have any money to cover that gap, I had $140 and that was to last me 3 weeks, now I go negative 1,013.75 and there is no place magically come up with the money while they fart around for 5 days to give me money back.

Ugh..I'm just starting the house buying process....hope this isn't what I have to look forward to.. I hate financial stuff. It pisses me off that I have to APPLY to give the bank thousands of dollars in interest over the next 30 years! I mean, what's the worst that can happen to a bank in a mortgage contract...they get a house and have to sell it for what it's worth if you default on the loan...plus they keep what you have already paid in. I don't see why it's such a big deal to get a home loan since they almost always APPRECIATE instead of DEPRECIATE. I've never felt so like I'm getting raped in my life....



Good luck gettin your loot back from those fuckers bro!

My last mortgage was an absolute disaster, there was a couple times where I just wanted to walk away, we ended up staying an extra month and 2 weeks in our apartment. This mortgage is already off to a better start, gave the broker all the pay stubs and all that **** and looks like things are going well.

i was just about to post about those guys, i have a chase credit card and they signe me up for some $120 a month b.s. program without my knowledge or permission, a made a couple calls and took care of it but still, i'm fookin pissed!



they have also quadrupled my junkmail

Raise a stink dude, you should be able to get your money back the next day.

We had a very similar problem with our old mortgage co. I think they said 5 days too. Basically you have to tell them that 5 days is unacceptable. You want that money back today. Ask them if you can go to one of there local offices and have them cut you a check. It was there screw up so you shouldn't have to suffer.

Good luck

Do not, under any circumstances, get a mortgage through Chase.

I actually didn't, it was sold to them, but I used to be through washington mutual and they were cool, they even called me in november and asked if I would like to miss a payment for december for xmas and ****, I didn't do it, but I thought that was pretty cool of them.

well...martin adn I were planning on blowing up some banks...wanna join?





that really sucks...hope **** gets better man

banks dont want houses, they want thier money



by the time you default and by the time they forclose they

lose alot of money. People who own more then 20% or so of

thier house usually dont default unless they stay un employed

or spend thier money on drugs or booze.



You see how fast a bank gives you a loan when you give them 20% down

plus closing costs, its a no income no credit check deal.



sucks for you phins, I always try to have 3 mortgage payments in the bank

at the least to cover mishaps

my parents has massive problems with chase also, as in getting evicted out of a house that you have been living in for 20 years. they did the same shitt. The mortgage was sold to them and they said that my parents had missed 1 year worth of payments.

The same thing happened to my mom, and she's going through an unbelievable load of crap trying to refinance with a shorter loan and lower interest.

i have a plan



it involves:



a paper bag

ringing a door bell

a lighter

running

dog crap