Complaint Review: World Savings - Wachovia - Bow New Hampshire

So the post "above" is really great because it shows the stupidity of this society. "Madmom1", who has apparently been wronged after not paying attention to her cable bill or electric bill is mad because I asked consumers to read what they are signing and their bills that come in the mail. In the ever changing financial world of which they speak it is important to know what is owed, when it's owed and what you're signing in regards to your finances. And yes it is your responsibility to read..even if it takes 2 hours..the documents that you are signing other wise who is responsible for your knowledge? Wow...the simple act of taking responsibility has been lost among consumers and then when it's put in their face...they get on the defensive and all they can make is a dumb comment that the other person is a "dumb a*s". And yes to your question so eloquently put...and i quote: CAN I GET A : DUMB A*S DUMB A*S DUMB A*S ??????????? Yes you can...look in the mirror and you will find one.

Let's see if this smart-a*s below employee really reads every detail on his electric bill, cable bill, etc.. every month or even twice a month, as that is how quickly they change stuff!!! Get real.. you are just a guy that needs to have his job removed and be a part of the ever changing financial situation in the USA and abroad.. Get real and quit talking like you are on the phone and trying to make someone feel bad for not taking 2 hours to read the fine print when 3 or more people are in the room waiting to get done with the deal... that is NOT realistic.. I would like to see how he deals with have 3 or more people breathing down his back and him trying sooo hard to understand let alone read over 2 hours worth of legal jargen and contract rules and regulations.. CAN I GET A : DUMB A*S DUMB A*S DUMB A*S GO HOME AND READ YOUR CABLE BILL YOU DORK!!!

So there are just a few things wrong with this entire report. First of all the first statement that states that the Pick-a-pay loan gives different options "which is applied to the principle" (its principal by the way) is totally false and it says it right on the statement how much will go to principal, interest or be deferred each month. And yes you were on a bi-weekly payment but you still get statements every month. You could have changed the amount at any time after you saw that you were paying just a minimum payment. At that time World Savings had several options for auto draft. You could elect...key word elect...to make the minimum payment and clearly stated it could cause deferred interest....you could make interest only each month, full payments, a 15 year payment or a specified fixed payment each month as long as it met the minimum. All you had to do was request a new draft form be sent to you to fill out. Maybe it would have been an issue for a month or so but that should be it. Saying that it is now Wachovia's responsibility to refinance you is a joke specifically because you stated you have a late payment showing up. And they are a Fannie Mae lender not Sallie Mae which is for student loans. If they offered a modification you should have taken it and saved yourself the refinance cost. They are the only lender that will modify your loan without requiring you to be in default on your loan and depending on the modification you choose its permanent and not temporary like most mortgage companies offer when you are delinquent. AND NO...why should they waive your prepayment penalty....you chose a mortgage that lets you pay less than interest on your mortgage, gave you and option to modify without refinancing and on top of that charged you less than the standard closing cost. You also probably chose to go thru a broker to get their loan which charged them 2% commission so you can have that loan. Point of all this is all of you mortgage holders who are complaining that YOU got yourself into a loan that you dont like or cant afford...its your fault 90% of the time...the only time it is not is if your fault is if you lost your job because of a layoff not because you got yourself fired. Read your documents,don't sign your life away on something you don't understand and don't blame the lender every time you screw up.

So there are just a few things wrong with this entire report. First of all the first statement that states that the Pick-a-pay loan gives different options "which is applied to the principle" (its principal by the way) is totally false and it says it right on the statement how much will go to principal, interest or be deferred each month. And yes you were on a bi-weekly payment but you still get statements every month. You could have changed the amount at any time after you saw that you were paying just a minimum payment. At that time World Savings had several options for auto draft. You could elect...key word elect...to make the minimum payment and clearly stated it could cause deferred interest....you could make interest only each month, full payments, a 15 year payment or a specified fixed payment each month as long as it met the minimum. All you had to do was request a new draft form be sent to you to fill out. Maybe it would have been an issue for a month or so but that should be it. Saying that it is now Wachovia's responsibility to refinance you is a joke specifically because you stated you have a late payment showing up. And they are a Fannie Mae lender not Sallie Mae which is for student loans. If they offered a modification you should have taken it and saved yourself the refinance cost. They are the only lender that will modify your loan without requiring you to be in default on your loan and depending on the modification you choose its permanent and not temporary like most mortgage companies offer when you are delinquent. AND NO...why should they waive your prepayment penalty....you chose a mortgage that lets you pay less than interest on your mortgage, gave you and option to modify without refinancing and on top of that charged you less than the standard closing cost. You also probably chose to go thru a broker to get their loan which charged them 2% commission so you can have that loan. Point of all this is all of you mortgage holders who are complaining that YOU got yourself into a loan that you dont like or cant afford...its your fault 90% of the time...the only time it is not is if your fault is if you lost your job because of a layoff not because you got yourself fired. Read your documents,don't sign your life away on something you don't understand and don't blame the lender every time you screw up.

So there are just a few things wrong with this entire report. First of all the first statement that states that the Pick-a-pay loan gives different options "which is applied to the principle" (its principal by the way) is totally false and it says it right on the statement how much will go to principal, interest or be deferred each month. And yes you were on a bi-weekly payment but you still get statements every month. You could have changed the amount at any time after you saw that you were paying just a minimum payment. At that time World Savings had several options for auto draft. You could elect...key word elect...to make the minimum payment and clearly stated it could cause deferred interest....you could make interest only each month, full payments, a 15 year payment or a specified fixed payment each month as long as it met the minimum. All you had to do was request a new draft form be sent to you to fill out. Maybe it would have been an issue for a month or so but that should be it. Saying that it is now Wachovia's responsibility to refinance you is a joke specifically because you stated you have a late payment showing up. And they are a Fannie Mae lender not Sallie Mae which is for student loans. If they offered a modification you should have taken it and saved yourself the refinance cost. They are the only lender that will modify your loan without requiring you to be in default on your loan and depending on the modification you choose its permanent and not temporary like most mortgage companies offer when you are delinquent. AND NO...why should they waive your prepayment penalty....you chose a mortgage that lets you pay less than interest on your mortgage, gave you and option to modify without refinancing and on top of that charged you less than the standard closing cost. You also probably chose to go thru a broker to get their loan which charged them 2% commission so you can have that loan. Point of all this is all of you mortgage holders who are complaining that YOU got yourself into a loan that you dont like or cant afford...its your fault 90% of the time...the only time it is not is if your fault is if you lost your job because of a layoff not because you got yourself fired. Read your documents,don't sign your life away on something you don't understand and don't blame the lender every time you screw up.

So there are just a few things wrong with this entire report. First of all the first statement that states that the Pick-a-pay loan gives different options "which is applied to the principle" (its principal by the way) is totally false and it says it right on the statement how much will go to principal, interest or be deferred each month. And yes you were on a bi-weekly payment but you still get statements every month. You could have changed the amount at any time after you saw that you were paying just a minimum payment. At that time World Savings had several options for auto draft. You could elect...key word elect...to make the minimum payment and clearly stated it could cause deferred interest....you could make interest only each month, full payments, a 15 year payment or a specified fixed payment each month as long as it met the minimum. All you had to do was request a new draft form be sent to you to fill out. Maybe it would have been an issue for a month or so but that should be it. Saying that it is now Wachovia's responsibility to refinance you is a joke specifically because you stated you have a late payment showing up. And they are a Fannie Mae lender not Sallie Mae which is for student loans. If they offered a modification you should have taken it and saved yourself the refinance cost. They are the only lender that will modify your loan without requiring you to be in default on your loan and depending on the modification you choose its permanent and not temporary like most mortgage companies offer when you are delinquent. AND NO...why should they waive your prepayment penalty....you chose a mortgage that lets you pay less than interest on your mortgage, gave you and option to modify without refinancing and on top of that charged you less than the standard closing cost. You also probably chose to go thru a broker to get their loan which charged them 2% commission so you can have that loan. Point of all this is all of you mortgage holders who are complaining that YOU got yourself into a loan that you dont like or cant afford...its your fault 90% of the time...the only time it is not is if your fault is if you lost your job because of a layoff not because you got yourself fired. Read your documents,don't sign your life away on something you don't understand and don't blame the lender every time you screw up.