Friday June 22, 2018
A Response to a Request
Here's another tale of modern living.
Last month I received several copies of the same letter from our mortgage company. It began:
Thank you for responding to our request for proof of a current hazard insurance policy on your property. Please note that your acccount has not been charged for any lender-placed hazard insurance.
Well, thank god for that. But wait: Who responded to whose request for what? I didn't respond to any request. I didn't even get a request.
There was a phone number to call. Do I call it? Was it a scam to get me to buy insurance? I wound up tossing it in that pile of stuff I should do something about one day but never do. But yesterday I received another such letter—my fourth—and said fuck it and called.
This was not our original mortgage company, by the way. When we refinanced in 2016, we shopped around and went with a local bank. They had an office nearby in case we had questions. We could walk in. We could see people. But last year, less than a year after the refinance, the local bank sold our mortgage to an outfit in Irvine, Ca.: a loan management service. Sometimes they call themselves “debt collectors.” They often feel slightly off or cut-rate to me. I get the feeling there's just executives and drones and that's it—no middle people doing real work.
I also wonder what other services get to do this besides mortgage banks. Can a gym sell your membership to another gym? “No, sorry, you work out across town now. You work out in Irvine, Ca.” Can your bank sell your savings account to another bank? Why is it allowed with the most important thing you own?
Anyway, the phone call. That letter thanking me for responding to their request for proof of insurance? That was the request. They were asking for proof of insurance. Read it again. It's the worst ask I‘ve ever read.
Oh, and guess why they wanted to know? Because, they said, our previous insurance policy had expired. Except it hadn’t. What they thought was our insurance company wasn‘t, and hadn’t been for years.
Meanwhile, the correct insurance company didn't respond to their subsequent request for information since they had a different mortgage lender on our policy. And not the local one either. The one before that. So I spent a long afternoon sorting shit out.
- There's a lot of bad data floating around, like garbage orbiting the earth, that may one day cause havoc with everything.
- Write clearer sentences.