Yep, That Happened

The saga of the second mortgage being called due has reached new depths. For those of you who need a refresher, we have a second mortgage that has been called due--though we don't know why. We always paid on time. Always. The mortgage company has asked for the balance of the loan. When we explained we didn't have it, they asked for a mountain of paperwork. We have reasonably complied, figuring this was a no-brainer.

We are now in month five of this saga. The mortgage company is asking for redundant paperwork. We have already given them tax returns, bank statements and our "hardship letter." Twice. In fact, in our hardship letter, we explained that the only real hardship was that they called the mortgage due. If they hadn't done that, there would be no hardship.

Two weeks ago, we provided them with the latest bank statements they asked for. We explained they are modifying a second mortgage. The home is upside down. It is vacant. We even said we don't care if they just take the house back if it is that important to them.

The mortgage company followed that up with a personal phone call from a dude named Joe. The poor guy actually called Marty wanting to make nice and find a reasonable solution. He said they just needed one teeny-tiny item from us and then they could wrap this up. And if we could just comply with this one itsy-bitsy request, we would be on our way.

They want Polly's bank account information for the past sixty days.

For those of you who aren't aware, Polly is my 14 year old daughter. And in the event anyone is slightly confused on our stance on this particular request, it is totally unreasonable. Instead of complying a letter came from Marty. He wrote:

"You have recently called a loan due and we have repeatedly complied with your redundant requests for bank information, tax information and other essential documents. Recently, you requested bank statements for the last 60 days of my minor-child's bank account. I will not be providing this information for the following two reasons:

1. My name is not on this bank account,

2. And more importantly, it is none of your business if my daughter, neighbor or arch enemy has a bank account. People other than me have bank accounts." 

Marty then told them if they find our stance unacceptable, let us know, they can have the keys back. We are done.