First of all, I’m sorry for not finishing the A to Z Challenge.  Life took over blogging for a while, but I’m back now and the first post back is a rant from hell.

My rant is on how the banks and credit unions suck and are just worried about their damn selves.  Especially when dealing with mortgages and loans.  If it is a risk then they tell you no or make up some reason to not give out the loan.

I went it for a mortgage refinance due to try to get rid of credit cards as well as getting additional money to get a new roof on my house since it was getting bad.  I never made a late payment to this credit union since I joined it almost 17 years ago.  I did made a late payment on my mortgage in the past 6 months due to juggling bills around to pay them.

I have done everything possible but filing bankruptcy to pay my bills.  I’m not someone that spend to much money then what I bring in either.  Most of the credit card debt is from the time I was in college.  My debt had been going down very slowly over the years unless something comes up like a new roof is needed.

So I got a call after submitting an application and they denied it.  Their reason is because I missed paying a payment on time and it takes 6 months without missing one for them to do the loan.

REALLY!

It was just one payment and I can’t get a loan.  Bullshit answer!!!  They didn’t want to give me the loan because it was a lot of money for them to cover.  So now I have to figure out how to pay for a new roof without braking the bank or making me got insane.

So have anyone else had this type of response before from a bank?  This one pissed me off royally.