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Just when I thought I'd seen everything, along comes a potential customer who makes me go 
The suckiness is pretty mild, but she had one hell of a story.
This woman made an appointment to apply for a cash-out refinance of her auto loan. She's got a loan with the dealership, and she's hoping to lower the payment. I figured we probably couldn't lower the interest rate, but we'd be able to extend out her payments to lower them.
She comes in this afternoon and we start discussing what she wants to do. That's when she adds that she's hoping to take out about $2,000 because she's moving back to Illinois (we're in Minnesota) to go back to work as a nurse. You see, she tells me, the requirements to be a nurse are much stricter in Minnesota. If you passed your nursing test in Minnesota, you can work as a nurse in Illinois or Wisconsin, but if you passed your nursing test in Illinois as she did, you can't work as a nurse in Minnesota. I have no idea if any of this is accurate, but that's why she said she needs to move back to Illinois.
During this part, I was thinking she seemed like an older woman and that it sucked that she felt she needed to go back to work in order to make ends meet. I didn't look at her age on the application until the very end - she's 79 years old! And she was very slow-moving when she left. How is she going to go back to work, especially at such a physically demanding job as nursing?
This wasn't the last of the WTF, either. She tells me that she and her husband came up to Minnesota shortly before the pandemic to work on (and maybe sell) their cabin. Then quarantine started and they couldn't sell the place. They moved into an apartment. Shortly after that, her husband discovered he had Alzheimer's. She didn't want to put him in the nursing home, but after he developed pneumonia, she had no choice. Then she got sick and had to have surgery. THEN her apartment got struck by lightning. Luckily, it didn't start a fire, but it traced a scorch mark along the floor, under her bed, and destroyed the downstairs neighbor's light fixture. It also made a wall in her apartment collapse?
With her apartment unlivable, she moved in with her brother, who has a rural home in the area. But that's only temporary.
Now, at 79 years old, she wants to move back to Illinois, return to nursing - possibly pediatric care, she said. But she needs to reduce her monthly payment on her car loan and get travel money. She wants to rent a trailer home when she gets there, but she doesn't have an address in Illinois yet. She has her brother's address and a post office box.
I probably could have turned her down for not having a permanent address, but I went ahead a processed her application. She had some late payments and a credit card that was closed by the company with the entire balance showing past due, so I had to turn down her application for that reason. When I asked her about it, she said she didn't know she had the account. They hadn't sent her a bill. I asked if maybe they didn't have her current address? (Since she has moved at least 3 times in as many years.) She just repeated that she didn't know how they could report that to the credit bureau if they didn't send her a bill. :sigh:
The suckiness is pretty mild, but she had one hell of a story.
This woman made an appointment to apply for a cash-out refinance of her auto loan. She's got a loan with the dealership, and she's hoping to lower the payment. I figured we probably couldn't lower the interest rate, but we'd be able to extend out her payments to lower them.
She comes in this afternoon and we start discussing what she wants to do. That's when she adds that she's hoping to take out about $2,000 because she's moving back to Illinois (we're in Minnesota) to go back to work as a nurse. You see, she tells me, the requirements to be a nurse are much stricter in Minnesota. If you passed your nursing test in Minnesota, you can work as a nurse in Illinois or Wisconsin, but if you passed your nursing test in Illinois as she did, you can't work as a nurse in Minnesota. I have no idea if any of this is accurate, but that's why she said she needs to move back to Illinois.
During this part, I was thinking she seemed like an older woman and that it sucked that she felt she needed to go back to work in order to make ends meet. I didn't look at her age on the application until the very end - she's 79 years old! And she was very slow-moving when she left. How is she going to go back to work, especially at such a physically demanding job as nursing?
This wasn't the last of the WTF, either. She tells me that she and her husband came up to Minnesota shortly before the pandemic to work on (and maybe sell) their cabin. Then quarantine started and they couldn't sell the place. They moved into an apartment. Shortly after that, her husband discovered he had Alzheimer's. She didn't want to put him in the nursing home, but after he developed pneumonia, she had no choice. Then she got sick and had to have surgery. THEN her apartment got struck by lightning. Luckily, it didn't start a fire, but it traced a scorch mark along the floor, under her bed, and destroyed the downstairs neighbor's light fixture. It also made a wall in her apartment collapse?
With her apartment unlivable, she moved in with her brother, who has a rural home in the area. But that's only temporary.
Now, at 79 years old, she wants to move back to Illinois, return to nursing - possibly pediatric care, she said. But she needs to reduce her monthly payment on her car loan and get travel money. She wants to rent a trailer home when she gets there, but she doesn't have an address in Illinois yet. She has her brother's address and a post office box.
I probably could have turned her down for not having a permanent address, but I went ahead a processed her application. She had some late payments and a credit card that was closed by the company with the entire balance showing past due, so I had to turn down her application for that reason. When I asked her about it, she said she didn't know she had the account. They hadn't sent her a bill. I asked if maybe they didn't have her current address? (Since she has moved at least 3 times in as many years.) She just repeated that she didn't know how they could report that to the credit bureau if they didn't send her a bill. :sigh:
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