How to deal with a really stupid Credit Union?

MossRoad · Jul 8, 2015

Again, as with the last thread you posted on this same subject, since you have a mortgage on the vacant land already, why do you want to take out a separate loan for the pole building? Why not combine the two? Or as others have suggested, a home equity loan?

Think of it this way... if you have vacant land and want to build a house on it, I've never heard of any lenders that will give you a separate loan for the house. They want it all on one loan. Its not like if you default on the house they can take it back and you get to keep the land. That won't happen. You're going about it against the grain, so to speak.

Arc weld · Jul 8, 2015

The idiot said she would combine the 2 and even confirmed what she would do so I went ahead and paid for the development permit. I needed basically $30,000 added to the existing mortgage to cover the financing I wanted for the building.

MossRoad · Jul 8, 2015

Arc weld said:
The idiot said she would combine the 2 and even confirmed what she would do so I went ahead and paid for the development permit. I needed basically $30,000 added to the existing mortgage to cover the financing I wanted for the building.

Its time to go over her head or find a different place to do business.

Arc weld · Jul 9, 2015

I didn't get a response to my e-mail to her but I did get a call from another appraiser who is even cheaper than the $400 I was initially told, $350 + GST. He's planning to go out Friday morning and she forwarded him all the info he needs. Hopefully I won't run into any more problems. Maybe she just needed fire lit under her butt?

ultrarunner · Jul 9, 2015

A fire of an Arc Strike?

MossRoad · Jul 9, 2015

110 or 220?

ultrarunner · Jul 9, 2015

Whatever is convenient... if the loan officer is of the sedentary nature... got big.

newbury · Jul 9, 2015

Reading what he's wrote about her I'd got 240V 3 phase.

Arc weld · Jul 10, 2015

If I wouldn't have heard anything, my next step would have been to talk to the manager or maybe even her and ask how to make a formal complaint about the total lack of customer service and professionalism. About the worst I've ever had. One of the worst I've ever seen happen to somebody else was at a muffler/auto repair shop. A guy brought his diesel pickup in for an oil change and waited over 3 hours because the shop didn't have any diesel oil and he had an appointment to boot. Instead of just going to Walmart 5 minutes away to get him on his way, they had to get it from their supplier. They offered no apology at all and still charged him full price. I wouldn't have believed it if I wasn't standing right there. He supplied his own filter but had no way to dispose of the used oil is why he asked if they could do it.

jaotguy · Jul 10, 2015

MMMM AAAHHH ... drives a diesel and has no way of using used oil ..... a bucket , some old cloth , a funnel .... add a bit at a time to the fuel tank between fills ....