Thursday, January 12, 2012


You know when you have one of those days where something happens early on and it just ruins the rest of your day?

I came into work today and was quite productive: solving problems, writing code, evacuating my bladder only occasionally.  You get the idea.

At approximately 10 AM Quicken Loans called.  Oh crap.  This is going to require a preface right in the middle of the climactic ending.

I'm refinancing my house to lower my interest rate by 2% and getting my ex-wife off the title.  Killing two birds with one stone and saving some money in the process.  Quicken Loans is really great.  Everything is done online and since I don't like talking on the phone that much, this is really cool.  It's very streamlined, very easy, and very...well...quick.

So at 10 AM, an ignorant representative from Quicken Loans calls me.  She's probably the most ignorant person who has contacted me from Quicken Loans.  I guess they save the best for last.

We'll call her Ignorama.  She says that she's auditing my closing and needs the original warranty deed for my house.  The warranty deed is something my ex wife had to sign and get notarized basically giving me permission to refinance or sell my house (without her consent) since her name is on the title and the loan.

Ignorama informs me that they have a copy of the warranty deed, but don't have the original.  Now, I'm a forgiving person.  My first thought is it's my fault.  I must have given the nice lady who came out to the house to do the closing a copy of the warranty deed instead of the original.

I took a two hour lunch break and went home to look for the original warranty deed.  It's gone.  I call the nice lady who assisted with the closing and she said she mailed the original to Quicken Loans.

I come back from lunch and call Ignorama back.  She says all they have is the electronic copy I uploaded last month.  If she had told me that form the beginning I wouldn't have wasted my time going home.

She says that if they can't find the original then they'll have to pay for my attorney fees or write up another warranty deed to have signed and notarized.  I'm curious if Ignorama has ever gone though a divorce.  The last thing I want to do after a divorce is ask favors from the ex.  The ex is the ex.  Ignorama thinks that if they pay for everything then we're all copacetic.  Conniption would be an understatement.  I'm still in the middle of my latest conniption.

It's completely ruined my productivity.  I can't concentrate on work for more than 2 minutes.  They aren't paying off my current loan until they get the original warranty deed.  My original loan goes late in 3 days.  They'll gladly pay the additional interest but what about the damage to my credit score and the late fees?


  1. Did you inform your ex about taking her name off the house? If you did, then getting the deed should not be a problem. If you didn’t…well, I can see why it would be a problem.

  2. She's informed.

    I'm more irritated that they lost the original.

    Today they called and said they can use the copy to get the job done. I had to bite my tongue to keep from asking Ignorama what she did with the original.