Refi update

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Big banks suck!

I already knew this, you already know this, but didn’t have a say in the matter upon initial purchase of the house. We have been through three refi’s with Chase Bank over the last 7 years and none of them were this bad. There was, of course, some jumping through hoops but nothing too out of the ordinary. In the past they have been relatively painless to work with, until now.

My last update on the refi I spoke of the communication issues and bumbling of the person I was working with. It continued. It didn’t get better and the more I complained about it the less communicative they got.

Anyway, I submitted all the docs the required from the start. Things are moving along. They get communication issues and then want to have me submit more docs that were never asked for the previous three times we refi’d. Um, what? Oh, and then the also wanted signed statements about things from the past they never asked about previously too. Um, no. Not gonna do it since they were not relevant then and they aren’t relevant now.

When they said the refi couldn’t go forward until the documents were submitted I protested. Nothing has changed in the last two years (that was the last refi) and really all they needed to do was get some updated financial statements. Nothing else they wanted pertained to the situation. But, they said they needed these because of “law changes.”

Um, what law changes? Neither person I spoke to could say specifically. They just kept repeating it – because that’s how society works these days…if you repeat it enough, it become “true.”

**Note, I had begun the process with a different bank at this point and they haven’t asked the questions Chase Bank was asking, so “law changes” my ass…**

So, I told them to cancel the application since it wasn’t going to move forward. That’s when their disclosure about the “good faith” deposit stole my $500. Because I didn’t submit documents they were requesting and because I cancelled the application, not because they declined me, they had the right to keep my money.

Essentially, that means the bank could literally ask you for anything and if you don’t comply they keep your money. I see how it is, Chase. You got me. My bad.

So, in essence, the bank contacted me about a refi to lower my rates. I jumped through the immediate hoops thinking it would be simple since I am already a current customer, and then they jacked the process to make it unreasonably difficult.

Looks like the bank robbers ride again!

I would advise not doing business with Chase Bank. Ever.

 

Backwards

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Going backwards? Strange concept in the times we live, but it I think it bears asking since we have set ourselves up for it…

Given the situation with Covid-19, is the public (general population) going to accept going backwards when it comes to a “disinfected” shopping experience? Or are employees going to be OK with going back to the way it was before? Are government services going to be restored and go back to business as usual? Because germs and disease existed before this whole thing and they will continue to exist after as well.

So, some questions?

Is everyone OK with the removal of the plexi-glass cages cashiers are now in? They protect the public and the cashier, so are they going to stay?

Is everyone OK with discontinuing the disinfecting of each and every shopping cart? Again, it gives the perception that the business cares about it’s shoppers. Is that not important after the threat of Covid-19 has dissipated? What about the flu and other infectious bacteria/viruses?

Is everyone OK with going back to full capacity seating in restaurants?  More people packed into a small space is good, right?

Is everyone OK with door handles, counter-tops, and self-serve check out stands not being cleaned after each use?

Is everyone OK with standing inside of six feet of other customers, shoppers, employees, co-workers, supervisors, non-family members, etc?

I am being the devil’s advocate here because, of course, we are going to go right back to the way it was right after this whole things is over and everyone has moved through the proper “phases of reopening.” Right? Back to “normal.”

But in doing so, we basically are going to say it is OK to go back to a society that allows for thousands of deaths each year from the flu. Or, we are going back to a society that expects less of the places we frequent because, well, it isn’t practical or cost effective to keep it up.

So, dirty and contagious it is. Kinda makes you think, doesn’t it? If it was possible now, why not then. If it was possible now, why not continue it? It’s a lose-lose battle for consumers and businesses.

Happy back to normal! Eventually.

 

Better luck

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Projects. So much time for projects.

BUT, do you have a project you want/need to do but are putting off because you aren’t sure the results you’ll get are what you want?

Don’t you hate it when you work on something and you have it all laid out in your head but then it doesn’t turn out like you envisioned it? OR, maybe it doesn’t go the way you want and it ends up being more trouble than it was worth, falling into that “Better luck next time” category of tasks?

I had one last night like that latter of those two. A retractable screen door on the house needed to be fixed. The most expensive option was to just replace the thing and with a new one or the other option was to buy parts for half the original cost and attempt repairs with no instructional manual. There was a vote and I lost, so repairs it was.

After much grunting, Pissing and Moaning, and not so quiet mutterings under my breath, I got to the project last night after work. And it went about as well as I thought it would. It was more trouble than it was worth. I would have rather started over with a new setup, but there is now a semi-functional screen door again. It just doesn’t work like it did when I originally installed it…which was perfectly (if I do say so myself). Now, it will make due but its not operating as smoothly as it could be.

Oh well.

So, I ask, do you have any projects you are dreading to tackle? Or did you do a project you dreaded only to regret tackling it afterwards?

I’m curious.

Breakthrough

As Gomer Pyle used to say, “Surprise, surprise, surprise!” You could also throw in his “Shazam!” or “Golly!”

There was a breakthrough. I am holding my breath, but at least there may be a payoff to my concerted effort and persistence.

Goal Zero finally responded to my customer service inquiry – only nine days after submission. Not with an answer I liked, but at least it was an answer.

And Ryobi, finally, after two hours on hold yesterday and then resorting to the “call back” (yeah, don’t fall for that ever…) option for no response. I called again this morning and after 20 minutes on hold, someone actually picked up!! They were very nice and got the process started for tool replacement via the warranty. Mind you, this was just the first step so there are still things on their end that they need to do, but I am hopeful. Hopeful that at least the process will now go the way it should have at the start.

Persistence. Patience. Bargain with the devil? Nah, I didn’t have to go that far, but I was contemplating the next step…a witch’s curse? Pentagram on the garage floor? Flaming sacrificial alter for burning the tools? There are a lot of options when you think about it.

Hopefully none of you out there are doing customer support. If so, know that you may not be safe from the dark world. As a matter of fact, maybe that is why I have had strange happenings in my home office…perhaps I have been cursed in my role for customer service…that might explain the strange goose-pimples at odd times of the day…

I’m out! I gotta go get my protection on.

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Most popular

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I am not sure why, but one post on here seems to be the most popular.

Apparently there are a lot of people dealing with moldy bagels! Specifically, moldy bagels from Costco.

A post I wrote, “Costco’s moldy bagel problem,” shortly after I started this blog gets over a 100 views per month. It isn’t all that entertaining as it is much more of a complaint than anything, but apparently people are looking for answers so they click on the link.

The only answer they will find is that freezing them, in an attempt to stave off mold after a day or two, is the only think you can really do. Defrost each time you want one, and eat. There is no other way to stop the mold.

Oh wait, there is. Buy bagels from some place else! Bagels from a local grocery store that makes them fresh each day actually has better bagels for a better price on a dozen. They don’t mold nearly as quickly! Plus, the habit of slicing and freezing hasn’t gone away. It just works for me.

Anyway, I always find it interesting that this post is the most clicked on. Do you have a post that surprises you for the frequency that it gets visited?

Customer service?

 

The saga widens.

If you’re a business, staying in contact and helping your current customers is important for continuing to be a business. This shouldn’t even be a question. It’s a given!

If you’re a business and want to stay in business, you should respond to potential customer inquiries so they can decide if they want to buy your product. Again, this should be a given.

Customer service these days (well maybe always, but definitely more noticeable these days) is severely lacking in all kinds of different places. With most business being shifted online because of the current lockdown, customers are trying to reach out to companies as they deal with product issues or consider purchases. I am no different.

The Ryobi issue is still ongoing…no call back from the Warranty Department. Do I call every day now? Do I wait it out? Should I create a Twitter account just so I can go on there and shame them into helping me?

I emailed a company to ask about a product I currently have to see if they had a connection cable needed to connect to another product I have of theirs so they would work together. As yet, no response to that email from Goal Zero.

On top of that, I took the battery out of one of the vehicles and took it to a local company to have them check it out. It died in the vehicle for no reason and there isn’t anything that was drawing power from it, so I was wondering if it was bad. I dropped it off on Saturday with the understanding they would call on Tuesday or Wednesday with the test results (seemed like a long time to me, but OK). Yesterday afternoon came and no call. I called them. “Oh, yeah, seems to be working fine but we would like to test it one more time.” So, I’ll be picking that up this afternoon, hopefully.

Is this normal? Is customer service normally this bad?

Anyone else having a hard time getting online customer service? This stuff shouldn’t be that hard as it can mostly be done remotely. Are companies really not that nimble to make adjustments for customer service? Is it that hard to pick up a phone and just call?

I would be interested to know if you are experiencing more frustration than normal when contacting customer service.

Warranty Department

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Continuing the saga from yesterday

With a phone number and instructions to have tools, batteries, and chargers on had when I call the number, I called this morning to make sure that I was calling during East coast hours.

The call was answered by a machine and the instructions were the same as I received in my call yesterday. Then it proceeded to read back my phone number and ask if I would like a call back when someone to handle my call was available, if so, press 1.

1

And now I wait? Until when? It’s been two hours so far. Am I just supposed to wait all day by the phone, in the garage, staring at the tool that doesn’t work?

So, the saga continues…

 

A tool story

Technology in today’s day and age allows companies and customers to better interact.

That could mean that customers have better access to product information and new offerings from a company. It could mean that companies provide better support and customer care when issues arise with it’s products. It could mean that customers are able to communicate with the company their needs for tools and features they need.

Regardless of what could happen, customers should have a good experience with the product and the company. It’s what keeps them coming back to the company and it’s what also has them recommend the company’s products to people they know.

A little over a year ago, I decided it was time to update my power tools so I decided that having something with lots of tools and one battery system would be the best since they are all interchangeable. The answer was…

Ryobi.

In general, I like the tools. They 18v One+ system is a great idea because of the variety of tools that will work off one battery system. No need to have a bunch of different battery sizes and no need to have to buy new and newer tools since other companies keep changing their batteries all the time.

So, I invested. I bought a multiple tool set and over the last year I have added several more tools and a new set of extra batteries with a quick charger (30 minutes to be exact). It’s been a little less than a year since I did this and everything has worked as expected until now.

That 30 minute charger just up and died…used it two weeks ago and it work and then went to use it last week and it didn’t. Nothing. No power.

So, I wanted to find out what now. It is less than a year old and is probably under warranty. I logged into their website, ryobitools.com, and navigation is PAINFULLY SLOW! It takes minutes just to get their page to load, let alone navigate from one place to another once you actually get there.

All I could think as I wait and wait and wait is, “Really?” With a company this large with that kind of budget, they can’t get a website that is zippity-do-dah fast? Kind of not really great customer service, ya know?

When I finally get to the “Contact” page I called the Power Tools phone number for support, 800-525-2579, and their navigation system is garbled and hard to understand…and the number they say to push for help sounds like “8” but when you push that number is says it is invalid. I called several times and finally pushed “2” (sounds nothing like “8”) and got through. WTH? Seriously. I am not joking. Call it yourself.

So, besides having a painfully slow website, they also have a call system that is garbled and hard to understand. Makes total sense for a company trying to get and keep customers, right?

Oh, and after I talked with someone I have to call another department (East coast times, mind you) to get warranty help. I’ll let you know how that goes…

Why fight?

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No need for combat shopping…

No need to brawl over anything. Just cough.

Need more space? Cough.

Want a little more “social distancing”? Cough.

Don’t wanna talk to people about their problems? Cough.

Suddenly, the cough has become the cure to society’s problems. Weird.

 

TP

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What the heck ya’ll doing?

I hope you aren’t one of those crazy people out there hoarding toilet paper for no damn reason! Seriously! Covid-19 ain’t got nothing to do with your pooper, people. You all are just going “5150” on us.

People fighting in the aisles of stores? Costco limiting purchases and having to hand out the TP? Empty store shelves wherever you go? Good grief people, TP isn’t gonna keep you from getting the virus and it sure as hell isn’t needed if you had the virus. All you really have done is create a black market for TP.

Ya’ll done “wiped” out the stores. I wish I was making this sh*t up. Get your mind “outta the toilet” and wash your hands instead. Let’s “flush” this nonsense asap.

See, now you got me all making puns for funs because people ain’t got the runs.

If you are one of those hoarders, STOP! Ain’t no poop emergency.