Banks are Evil
by B&SD
Evil bankers...
Yes, There, I said it!! BANKS ARE EVIL! They don't care what they do to you to get money. God forbid you sign up for auto pay. They will withdraw money whenever they please and it practically takes an act of Congress to get it back, if you succeed in proving them wrong. They will give you the run around, put you off for months. They have discovered ways to not just hobble you, but financially break you with legal loop holes.
It all started when I refinanced my house. Just six months after refinancing, I received a letter informing me they made a mistake figuring my escrow. Wha??? A bank made a mistake crunching figures??? How can that be?? They explained that I would need to pay an additional $150 a month for one year to 'bank up' my escrow. Now that might not sound like much to you but can you say 'Fixed Income'? $150 a month meant I needed to shave expenses elsewhere. I reduced my cable and phone to bare bones, bought less groceries, stopped going to the Dr. unless I was really sick and didn't get my prescriptions refilled. For the next year, I tried to go along with whatever the bank demanded. Eleven months later I received another letter. "This is to inform you that you will need to continue to pay the higher amount for the duration of the loan." Trying to talk to someone at customer (no) service is futile. They are rude and have the attitude "Just pay it". You see, a bank can't change the pricipal or interest rate but they sure can play havoc with the escrow and THERE IS NOT A THING YOU CAN DO ABOUT IT!!! To add insult to injury, my property value dropped 25%.
I have run the complete gamut of emotions.... Surprise, panic, fear, anger, frustration, depression, etc. I felt so alone, like I was the only one this was happening to. NOT SO!! I started hearing about others that similar things had happened to them also. The common denominator was our bank. I went online and searched for 'Bank of America Complaints'. I was shocked at how many this is happening to! How many that are having their homes taken away! Foreclosed!
I eventually had to use credit cards to stay one step ahead of having something cut off. Electric bills were soaring! $250 a month. Food costs were outrageous. Gas prices out the roof. I was slowly drowning and all because I thought refinancing my house for a better interest rate was a smart thing to do.
I seriously considered walking away from my mortgage when I was in my panic mode but my logical side came to the rescue. They will eventually find you and when they do it is worse than you can imagine. They will sell your house for less than you owe and YOU will have to pay the balance.
I decided to take the legal way out by declaring bankruptcy. They like this house so much, I decided to let them have it. I have about three months before I have to move. Three months to be able to keep some of my hard earned money rather than give it to the vultures of the world. A gigantic weight has been lifted off my shoulders. A new chapter of the book called 'My Life' has begun. I am anxious for spring to arrive when all thing will be anew.
Be forewarned..... Banks are EVIL!! and Never, Ever, Ever let anyone have control over your checking account by agreeing to auto pay.
Banks
AIG bonuses
Banking
Charity begins
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