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Wednesday, Grrrrr. . . Well, let's see -- on the bad side, it's the end of the Masochist's Dare and I haven't even finished a third of the expected output. In my defense, I did have a few other things occupying my time, but still. Oh, well. I guess 16K isn't to be sneered at. And it's a healthy start on the book, which is great. Now I just have to keep it up (and isn't that always the hard part?).
So I called the folks who were supposed to be arranging this, and the broker got VERY indignant on my part -- how could they turn me down and give loans to foreigners with no credit history whatsoever, it was an outrage, no, it was PREJUDICE, I had to call back and demand to speak to a supervisor. Which I did, and I explained the situation. Aha, she said -- we didn't know you were an expatriate. That's a whole different ballgame, apparently. So what I had to do was get a letter of assignment from Human Resources stating my salary and term of work and fax that over to the credit union so that they could make their final decision.
And, unsurprisingly, the salesman at the dealership is starting to get a little nervous about all this -- apparently I was given a February deal, and if he doesn't get the papers by tomorrow morning that could screw up the price of the car. Great -- now I'm being penalized for dealing with credit union bozos. Happy fuckin' February, y'all. Let's hope March is something of an improvement.
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On
the worse side, my loan was turned down. Oh, and nobody notified
me of this -- I had to call and find out for myself. Yes, this was
a PRE-APPROVED loan, guaranteed to all contractors and expatriates.
When I called to get an explanation, they said that I had an "insufficient
credit history." Well, no duh -- I haven't lived here
for over seven years, what were they expecting?
Yeah,
except that by the time I found all this out, our contact person
at HR was gone for the day, so I have to wait until tomorrow to
actually get the letter. This is so fucking annoying -- didn't SOMEONE
at the credit union look at my app and think, "Hmm, works for
TBS, no credit history -- must be an expatriate?" No, it's
so much easier to just stamp "Rejected" on the damn form.
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