when faith fails
 

Today, I had the uncomfortable chore of telling a woman that her loan was declined. It's what I do, and I'm used to it. It kind of sucks to tell someone why the bank(s) have declined them.

this particular woman had 2 seperate dismissed (not discharged)chapter13 bankrupcies, a foreclosure, and a automobile charge off. As if that was not bad enough, she only makes 1375/month, and pays 475/mo in rent. On the face of it, this woman has no business attempting to take on new debt that she simply cannot afford to repay.

When I told her that the three banks that I use that would occaisionall entertain that kind of application had turned her down, she asked if there were other banks I could send it to. I said, "yes, there are a few more banks I use, but none of them are going to approve it." i've been doing this long enough to know what I'm working with, and this one was not even close to qualifying.

"but I'm a born again Christian"

ok

She repeated this several times, until I stopped her and asked what that had to do with anything. So she starts lecturing me about how god parted the red sea for moses, and how sure she was that he would see this loan through for her. i asked her twice politely to stop preaching to me. she just kept going and gathering steam. Finally, I asked her to leave.

She seemed surprised. I said, I come here to work, and do my job. my job is to try to get you approved. Do not push YOUR religion on me.
" well, you DO believe that Jesus is the lord, don;t you?'

"no."

another lecture begins. I stopped her, and she says, " are you discriminating against me? because I am trying to tell you that the lord works in mysterious ways, and i had a dream where god told me that i would get a white pt cruiser as a reward for taking care of my sick mother"

I said " are you kidding me? I'm saying that with 2 bank...."
" oh, no. please don;t tell me anything negative. I can;t hear it"

she actually said that.

So, seeing that i had already lost 30 minutes of my day to her, and she could obviously go all day, i said," listen, If for some reason this loan gets approved...and I'll send it to 4 more banks for you....then I promise you that I will take a step closer to the LORD."

well didn;t she just light up like a glow worm.

I meant it too. it would take a fucking miracle.

this, OC, mrnoodle, is what I mean when I say that people like this are delusional.

GOD is NOT going to lend her the money. If she had invested more worth in paying her bills, she wouldnt have to rely on a miracle. Born again. too bad her credit wasn't born again, too.

btw, the other 4 banks declined the loan, too.

she's going to call me at 3 o'clock, and I'll have to break it to her. She is so sure that it will be approved, I'm dreading telling her. This is the only part of my job that I dislike. She seems like a nice person.

Maybe the Lord can give her a ride to work.

well, that's the thing. she has a car. a 95 altima. just got a new transmission, and exhaust.....shold be fine.......but the LORD said white pt cruiser to her in a dream......oh, she also told me that any time I remember a dream, that's god talking to me. so i said, so, if i dream about killing someone, does god want me to really kill them? she changed the subject.

I have lots of dreams that I wish would come true. Lately most of em seem to include Kate Beckinsale. :D

Re: when faith fails
 

LJ, she's going to sue you and the dealership for religious discrimination and walk away with that PT Cruiser for her troubles. Nice lady, my arse.

Make sure you get those loan denials on paper.

couldn't I sue HER for religious harrassment, and get it back?

Re: when faith fails
 

What are dismissed and discharged bankrupcies?

the banks are required to mail her a rejection letter. If I look at an app, and decide it's not going anywhere, then technically, I have to send her that letter if I choose not to submit it. so, i always send it to at least one source.

No, she'd have no money left to get back - her lawyer would get most, and her debts would get the rest. And the car would lose most of its value by merely changing ownership. :p

Can't you sue God or his representatives on earth for all the bullshit being told and done in his name?
I really believe but I can't stand when people are using God for their own purposes...

Re: Re: when faith fails
 

sycamore posted a very informative article here

basically, when a bk is disCHARGED, it is completed. that person cannot file again for 7 years. disMISSED means that it was not, and can be re-filed any time.

update

she called. "did it get approved?"

"no, ma'am, I'm sorry, it didn;t"

"well is there another finance director i could speak to?"

"no, i'm the boss. you could talk to my assistant if you'd like"

" oh. well, can I talk to my salesman?"

"sure. hold on"

~maybe shecould call jesus~

update update.

so, [salesman] what did she have to say to you?

she says she wants to sue for religious discrimination.

this should be fun.

she's a good christian, though, so god will forgive her for being a letiginous untcay.

asshole

Keep us posted on this, even if you have to make stuff up. I'm really enjoying it.

ok......god called, he said to turn the snapper head down. he's sick of her using his name for every goddamn thing in her life.....

i paraphrase. he didnt actually say "goddamn"

edit: this was my 2999th post. next one is 3000........stay tuned. later tonight, i think