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Post by Stukat on Dec 24, 2008 14:05:17 GMT -6
Haha, I saw that about 4 minutes ago.
I was heartbroken.
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Post by Stukat on Dec 24, 2008 14:06:34 GMT -6
So this Douchbag that emailed you. Is he going to get in trouble for not giving proper info.
and will this be because of your email the to "project manager" or whatever?
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 14:12:01 GMT -6
It's the poor bastards in customer service that get the shaft. He'll probably get in trouble, eventually. What would have happened, is that docs would have been signed, customer finds out afterwards (assuming they didn't comb through the docs) that their rate is different than what they thought. Well, then they call customer service, the poor customer service person has get the wrath of this person that wasn't provided proper disclosures by the mortgage consultant.
Mortgage consultants turn over so quick, though...that this "Josh" person probably won't be there at this point. "Josh" is a prime example why there is some blame with banks and this mess. Don't get me wrong, the customer's should read their fucking documents, but I've seen the docs, and it's like reading "Paradise Lost". But still, it's a pretty big fucking deal.
Anyway, that's my non-premeditated rant.
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Post by NOTTHOR on Dec 24, 2008 14:16:57 GMT -6
It's the poor bastards in customer service that get the shaft. He'll probably get in trouble, eventually. What would have happened, is that docs would have been signed, customer finds out afterwards (assuming they didn't comb through the docs) that their rate is different than what they thought. Well, then they call customer service, the poor customer service person has get the wrath of this person that wasn't provided proper disclosures by the mortgage consultant. Mortgage consultants turn over so quick, though...that this "Josh" person probably won't be there at this point. "Josh" is a prime example why there is some blame with banks and this mess. Don't get me wrong, the customer's should read their fucking documents, but I've seen the docs, and it's like reading "Paradise Lost". But still, it's a pretty big fucking deal. Anyway, that's my non-premeditated rant. What the fuck? You mean this Josh prick is gonna tell the client they are paying X% and then when the papers are filled out it will say X+Y% and the client will be fucked? How about instead of calling the god damn manager you call the fucking Assistant United States Attorney and have the cocksucker arrested for fucking mail and/or wire fraud? What a shitbag. Guys like that aren't just assholes, they're fucking criminals and belong in federal pound them in the ass slammer. |
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 14:22:19 GMT -6
This is what we're up against - the floor rate.
Prime is at 3.25% --- Wells Fargo's floor rate is at 4.24%
So I had to call out to customer's with applications in process - if their margin was less than 1%, that they would actually be charged 4.24%, and not Prime + x%, unless Prime moves back up. The floor rate is clearly stated in the docs, but MC's aren't disclosing it. I didn't talk to one person that knew about the floor rate.
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Post by Stukat on Dec 24, 2008 14:29:51 GMT -6
You said:
"Mortgage consultants turn over so quick, though...that this "Josh" person probably won't be there at this point. "Josh" is a prime example why there is some blame with banks and this mess."
What exactly happens to this guy with the turnover, He quits or is Fired and goes to other company or something? Or are you saying that he is promoted/demoted out of his position.
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 14:33:56 GMT -6
...and I'd like to add that having to do that shit work 2 days before Christmas was fucking uncalled for. It's out of my realm, not my responsibility (c'mon mortgage consutants!), and demoralizing (e.g. getting e-mails like this).
But, whatever keeps my head off the chopping block, I guess.
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 14:34:54 GMT -6
You said: "Mortgage consultants turn over so quick, though...that this "Josh" person probably won't be there at this point. "Josh" is a prime example why there is some blame with banks and this mess." What exactly happens to this guy with the turnover, He quits or is Fired and goes to other company or something? Or are you saying that he is promoted/demoted out of his position. It's a straight commission job, so usually it's just them quitting after not making enough jack. |
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Post by Stukat on Dec 24, 2008 14:39:10 GMT -6
I see. Listening to you and tyler recently, kinda makes my prole job at ADP not seem so bad.
ANyways, FUck the work conversation. What are your plans for friday night?
I am going to be in your neighborhood when i get off work.
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 14:42:32 GMT -6
I see. Listening to you and tyler recently, kinda makes my prole job at ADP not seem so bad. ANyways, f**k the work conversation. What are your plans for friday night? I am going to be in your neighborhood when i get off work. Usually my job isn't too bad...just recently took a turn for the worse. Give me a ring for sure. |
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Post by Stukat on Dec 24, 2008 14:46:51 GMT -6
are you up for getting out of your mind drunk on keg beer?
Edit: Jackie should come to.
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 14:48:54 GMT -6
I'll have a few, but have the Bair Christmas on Saturday.
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Post by NOTTHOR on Dec 24, 2008 14:50:46 GMT -6
This is what we're up against - the floor rate. Prime is at 3.25% --- Wells Fargo's floor rate is at 4.24% So I had to call out to customer's with applications in process - if their margin was less than 1%, that they would actually be charged 4.24%, and not Prime + x%, unless Prime moves back up. The floor rate is clearly stated in the docs, but MC's aren't disclosing it. I didn't talk to one person that knew about the floor rate. In that case, please forward this for me: Dear Josh - you are a whiny little cu.nt. If Aaron's disclosure of the actual rate the customer will pay will cost you a sale, adi-fucking-os. In case you haven't noticed, Wells Fargo has the best mortgage portfolio of all the major banks. It does not need a bunch of god damn proles who can't swing the extra 20 basis points that you "forgot to tell them about." You are destined for a life of low proleness, you won't be at WFC for long and you lack any ability to see the bigger picture, but when these customers sue the bank because you are too big of a douche to tell them the fucking truth, the company will incur liability in excess of your shitbag commission and the fees generated off of originating the loan. You are a leach on the good people who own and work for the bank and a cocksucker to boot. Regards, Random Wells Fargo Shareholder P.S. Eat a fucking dick, bitch. |
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 14:59:42 GMT -6
This is what we're up against - the floor rate. Prime is at 3.25% --- Wells Fargo's floor rate is at 4.24% So I had to call out to customer's with applications in process - if their margin was less than 1%, that they would actually be charged 4.24%, and not Prime + x%, unless Prime moves back up. The floor rate is clearly stated in the docs, but MC's aren't disclosing it. I didn't talk to one person that knew about the floor rate. In that case, please forward this for me: Dear Josh - you are a whiny little cu.nt. If Aaron's disclosure of the actual rate the customer will pay will cost you a sale, adi-fucking-os. In case you haven't noticed, Wells Fargo has the best mortgage portfolio of all the major banks. It does not need a bunch of god damn proles who can't swing the extra 20 basis points that you "forgot to tell them about." You are destined for a life of low proleness, you won't be at WFC for long and you lack any ability to see the bigger picture, but when these customers sue the bank because you are too big of a douche to tell them the fucking truth, the company will incur liability in excess of your shitbag commission and the fees generated off of originating the loan. You are a leach on the good people who own and work for the bank and a cocksucker to boot. Regards, Random Wells Fargo Shareholder P.S. Eat a fucking dick, bitch. I would love to...maybe I'll do it from my gmail account though.  I sent the e-mail I received to my team, and we all had a good laugh. I did come up with a hypothetical e-mail myself I wanted to send out: Josh - You are a prime example on why the banks have received a bad rap during this mortgage crisis. Me providing proper disclosures to your customer should not "jeopardize your deal" if you were doing your job right. Merry Christmas! P.S. Kiss my @ss. Aaron Surber |
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Post by TBELL on Dec 24, 2008 15:25:37 GMT -6
Just got to work an hour ago. I will be here until 1030 tonight, fuckin yippee. I'm already bored.
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Post by Stukat on Dec 24, 2008 15:30:53 GMT -6
Welcome to the madness, Clark.
On a postive note, i just ate a large portion of left over Pot Roast and potatoes and gravy.
The rumble in my stomach tells me that I can look forward to a 10 minute company paid Growler.
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Post by TBELL on Dec 24, 2008 15:40:57 GMT -6
Gotta love the company paid growlers! I did bring some DVD's with me today, so that should help to pass the time I hope.
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Post by twinegarden on Dec 24, 2008 16:27:27 GMT -6
Howdy boys, how's work going? That Josh guy sounds like a real fuck.
I stopped by the Wal Mart in Newton on my way to Deep River, it was pretty clear about half the town is on meth. Just throwing that out there.
Merry X-Mas dudes!
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 16:35:16 GMT -6
Howdy boys, how's work going? That Josh guy sounds like a real f**k. I stopped by the Wal Mart in Newton on my way to Deep River, it was pretty clear about half the town is on meth. Just throwing that out there. Merry X-Mas dudes! If I don't get him fired, he's going to be feeling some heat... |
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 16:39:59 GMT -6
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Post by 101 on Dec 24, 2008 16:59:13 GMT -6
Pretty damn funny Aaron. Good laugh for Christmas Eve! |
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Post by Saggitariutt Jefferspin (ith) on Dec 24, 2008 17:00:49 GMT -6
I'm out!
Merry Christmas!
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Post by Stukat on Dec 24, 2008 17:05:23 GMT -6
2 more hours......
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Post by TBELL on Dec 24, 2008 17:27:47 GMT -6
It's gonna be down to just me at 7 isn't it...
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Post by Stukat on Dec 24, 2008 17:43:10 GMT -6
Yah i would say so. Unless someone hops on from home.
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