Busywork

Marty did indeed get in touch with someone at the mortgage company. Sadly, the first customer service rep was probably lamenting being fired for being too friendly in her former job at the local Motor Vehicle Department. As it was explained to Marty, the bank wouldn't have denied his loan modification if he had just sent in the paperwork they asked for.

"I am under the impression we turned in everything that was asked for," Marty innocently stated.

"Well, you didn't. We sent you another letter asking for more," replied Miss Congeniality.

When Marty said he did not have another letter in our files and neither he, nor I, remember seeing another letter. All this savvy future diplomat said was, "That's not my problem. We sent it to you."

Twenty minutes and another customer service representative later, our file was re-opened and Marty was given yet another set of demands required of us. Mind you, none of this would be necessary if the bank hadn't called the loan due. They are causing our busywork. All of it.

And, because there is still some rain forest left, the bank has decided to "help" us and is (without our consent or knowledge) modifying another mortgage we have with them. They are requiring more paperwork from us, and could we please do this as soon as possible? Thanks. It also turns out saying, "This is utterly unnecessary, please leave this mortgage alone. We are fine," is not an option.

The second home in question--the one where the mortgage company randomly decided we needed to change the terms of our loan--is in the LLC Marty and I own without a partner. Though I received a denial letter from them last Friday--the first I heard this home's mortgage was under scrutiny--they are apparently only modifying this loan as a favor to us. However, I am not sure what exactly the "favor" is in this case. At any rate I stand corrected: they did not call this loan due. However, I am not sure what it means when they have already "denied" a loan modification for a home that does not need one, nor where we asked for any type of changes. What happens if they deny us again? Where does that leave this particular mortgage on this new home?

Fast forward a couple of days. All of the subsequent paperwork the mortgage company has asked for has now--again--been faxed to them. I did suggest to Marty that he may want to explain to them that if they had not bothered us to begin with, none of this would have been an issue.