Yet another "Was I sucky?"

[ReverendBSB]

I applied for a loan last week. Got a call on Thursday from a loan officer wanting some additional info. I gave it to her, I was approved, I asked if I could come in Tuesday at 9 am to finish up. She told me sure. I had a doctors appointment at 10, and then had to go straight to work. Later on I calculated what I was going to have to pay, and lets just say the interest rate was insane. But I am trying to fix my credit so it was a necessary evil.

I drive up to the loan office today at 8:55 am. Go up to the door, and lo and behold they do not open until 10 am on Tuesdays. I wait until 9 anyway, then call them up and get the machine. Here is the message I left.

"My name is Reverend BSB and I spoke to Allison on Thursday about my loan. I was told I could come in today at 9 am to finalize it. But apparently your employees don't know your hours. You have until 9:05 to contact me or you can thrown my application in the trash."

They finally got around to calling me around 5 pm. I was really angry by then so I told them to shove their loan up their ass and hung up.

[Neo_Classic]

I won't use the word "sucky" but it was a bit much. People make mistakes. I understand your frustration though.

[TNT]

Last time I applied for a loan, the loan officer called me "Timmy." End of conversation.

[Neo_Classic]

^ BIG pet peeve of mine.

I don't like it when people abbreviate or cutesify my name. I always correct them and if they do it again, I just find someone else.

[myswtghst]

Last time I applied for a loan, the loan officer called me "Timmy." End of conversation.

I'm rather grateful my name doesn't loan myself to cute-sifying, as I generally don't like when people I'm not close to try to give me nicknames. I've had very few so far that I like, and only a few people are allowed to use them.

As to the OP, I think you may have been a little bit sucky, as I'm sure "Allison" had good intentions but probably made a mistake. I understand that you had a very tight schedule, but you could have made the message a little less mean. It just seems a little over-the-top unless they've been rude, pushy, or have been making you wait a long time already. I understand being frustrated, but that is part of the reason I try to take a deep breath before making a phone call like that, so I can be calm and professional, even if I'm ticked off.

[smileyeagle1021]

Oh, that is my big pet peeve when they schedule a time then don't actually go through with it (that is the reason why I now have a view of the 21st south freeway rather than the taylorsville expressway... they scheduled me an interview on a day when all the interviewers were off). So telling them to throw away the contract, not sucky, telling them to shove it up there ass... yeah, sucky.

[Giggle Goose]

"My name is Reverend BSB and I spoke to Allison on Thursday about my loan. I was told I could come in today at 9 am to finalize it. But apparently your employees don't know your hours. You have until 9:05 to contact me or you can thrown my application in the trash."

They finally got around to calling me around 5 pm. I was really angry by then so I told them to shove their loan up their ass and hung up.

My mom is a loan officer and underwriter for mortgages. She's always in her office at about 7:30 or so and has been known to meet with clients before and after hours. So the loan officer was sucky in the first place; but couldn't YOU have been aware of when the hours were?

I also agree that she screwed up and should have gotten back to you immediately, but talking about throwing your application in the trash and using childish language won't get you too far. Just remember that if you're sucky like that on the phone, someone will get sucky with you in return. My mom's told sucky clients to fuck off when they used language like you just described. I could say a lot more, but I'm a nice girl.

[ReverendBSB]

My mom is a loan officer and underwriter for mortgages. She's always in her office at about 7:30 or so and has been known to meet with clients before and after hours. So the loan officer was sucky in the first place; but couldn't YOU have been aware of when the hours were?

I also agree that she screwed up and should have gotten back to you immediately, but talking about throwing your application in the trash and using child language won't get you too far. Just remember that if you're sucky like that on the phone, someone will get sucky with you in return. My mom's told sucky clients to fuck off when they used language like you just described. I could say a lot more, but I'm a nice girl.

I had never been to the loan offices, I got their info in the mail and had only dealt with them online and on the phone, never had I been informed of their hours. That is why I asked if 9 AM on Tuesday was okay, I was told it was, that was all that should be necessary on my end. If she had told me they would not have been open I would have tried to move my schedule around a bit, now with Thanksgiving and the coming retail rush that will not be possible. I was also pissed that I had to find somewhere to kill an hour before my doctors appointment. I ended up just having to drive around for an hour wasting gas.

And while my initial message may have been a bit brusque, if they had contacted me at a reasonable time after I would have at least been cordial when telling them I did not want to do business with them. But waiting until 5 in the afternoon to contact me showed a lack of respect, especially as I did not need their loan and was only agreeing to their insane interest rate to help build credit, so I showed them the same lack of respect.

[RecoveringKinkoid]

I can see why you might be irritated, but leaving a message on an answering machine in an empty office that you knew was not going to be occupied for another hour to call you back in five minutes was kind of...I dunno...sort of like shooting yourself in the foot. I mean, what did you expect would happen? By the time they got your message, they were 55 minutes past the time you said you were no longer interested in the loan. That they called you at all is kind of impressive, considering you'd already told them to forget it.

I think a better course of action would have been to simply go in at another time. If you wanted to express annoyance, that's fine, just do it in a reasonable way.

Loans are a pain in the butt to set up. Your loan officer may well have bent over backwards to make convienient alternate arrangements for you when she realized what happened. We just set up an equity loan to renovate my kitchen, and it was a pain. The day the loan officer was to meet with us at the bank, we went down there only to get a message that a tree fell on the guy's house (which, I suppose, might be taken as an ill omen. ). Anyway, he was very apologetic and later drove out to our places of business to meet with us.

Stuff happens. Mistakes get made. Treat people the way you would want to be treated. If someone screws up, at least give them a chance to fix it before you blow a gasket. If that's the biggest annoyance you have trying to set this thing up, consider yourself lucky.

[princess4life]

they scheduled me an interview on a day when all the interviewers were off .

I had that happen with a company in downtown Salt Lake, when I went in for the interview I was told it was the interviewers day off but the security company that does security was highering lol. I called the interviewer and left a message that she wasted me time and money (I took time of my regular job) and that I felt she needed to reimburse me for me time. She called the security guard that knew me that worked there and told him I threatend her and not to allow me into the building he just laughed and called to tell me about what she had said I still get a kick out of it

[Crazeyal]

Railing for hours, asking for compensation you are not due (or is impossible) and making an ass of yourself is sucky. You didn't do that. They made a mistake, you found it insulting and told them rudely that you do not want to do business with them. One of my pet peeves is wasted time. These people had an employee who failed to show up at work. It happens. There are CONSEQUENCES to that happening.

I'd do pretty much the same thing, although I might leave out the cursing. If someone from the bank (credit union whatever) wanted to deal with me after that, they'd have to deal with the full barrel of my wrath, offer me proof that it wouldn't happen again, and show me that the person who wasted my %*#%#&ing time was punished in some way.

Telling them to shove it is not sucky. Bit rude, but they were given parameters to contact you again. It's not what some people would do, but THEY BLEW IT. After leaving a message about what your limits to a response were (9:05 was a bit much... but 5 pm was a JOKE!) You had every RIGHT to go off on the person daring to treat it like nothing happened.

[Alpha Strike]

Railing for hours, asking for compensation you are not due (or is impossible) and making an ass of yourself is not sucky. They made a mistake, you found it insulting and told them rudely that you do not want to do business with them. One of my pet peeves is wasted time. These people had an employee who failed to show up at work. It happens. There are CONSEQUENCES to that happening.

Telling them to shove it is not sucky. It's not what some people would do, but THEY BLEW IT. After leaving a message about what your limits to a response were (9:05 was a bit much... but 5 pm was a JOKE!) You had every RIGHT to go off on the person daring to treat it like nothing happened.

I guess I'm confused - how is making an ass of yourself NOT sucky? Or telling someone to "shove it up their ass" a right?

I don't have a problem with the original poster cancelling the loan - I mean if they can't even keep their hours straight then this person understandbly doesn't want to do business with them.

But making unrealistic demands - ie expecting someone to answer their message in 5 minutes even though no one will be there to even get the message for 55 minutes - and further being rude on a follow-up call is unnecessary. And honestly, what do any of you expect? The poster already told this busines that unless they could make the impossible happen, that they should just assume they've lost the poster's business. Why would this bank/loan office try and call back quickly if that's the case?

[Crazeyal]

Oh comon.. one typo..

Better clarified?

I'm not one for screaming at people who had nothing to do with a situation, but when a business fails to deliver, they lose customer. Calling 8 hours later, with no explanation other than "we're ready NOW!!" Get's you hung up on, at the least. Common courtesy and manners dictate that you don't act rude to people. When they ignore what you've told them (If you don't call me by xxxx throw my application away) then THEY are the ones being rude.

I think it was an over-reaction, but not unjustified.

[Alpha Strike]

Oh comon.. one typo..

Better clarified?

I'm not one for screaming at people who had nothing to do with a situation, but when a business fails to deliver, they lose customer. Calling 8 hours later, with no explanation other than "we're ready NOW!!" Get's you hung up on, at the least. Common courtesy and manners dictate that you don't act rude to people. When they ignore what you've told them (If you don't call me by xxxx throw my application away) then THEY are the ones being rude.

I think it was an over-reaction, but not unjustified.

Sorry - wasn't trying to be obtuse. Just a seeming lifetime of dealing with SCs has made me VERY literal in how I read things....

[RecoveringKinkoid]

When they ignore what you've told them (If you don't call me by xxxx throw my application away) then THEY are the ones being rude.

I think it was an over-reaction, but not unjustified.

I don't think they ignored it all. They got the message too late to act on it, and likely took him at his word that they'd lost his business. So why call?