Doubled Booked?

I didn't think our banker was going to be able to pull it off. Well, I don't know if he really pulled it off, but he had us sign an awful lot of papers. There is one thing he still may not have a handle on. Our mortgage payment for the house we just sold is automatically taken out of our account every month. We don't need to make that payment anymore because the house is sold, so that autopayment needs to be stopped. Auto-payment is scary. We cancelled our auto-payment for out dial-up internet (Yes, dial-up) and they still took it out and are still taking it out since November. When my husband called they said, "I'm sorry sir, we have no record of that." Grrrrr. So, needless to say, we don't have much faith in the cancelling of the auto-payment. But, our banker sent an email, but apparently, that wasn't good enough. Then he gave us a number to call. When we got back from the bank, the realtor was waiting for us at our house. He said we were supposed to meet him at the title company today at 4:00. I said it was tomorrow because I knew we had the bank today. I wrote it on the calendar for 4:00 tomorrow as soon as I spoke with him. Any way, here he was- with more paperwork. So, we signed more paperwork, handed over the keys and the garage-door openers, and we were done. The house was sold. Two months from listing to closing in this crappy housing market. Certainly a record! Then my husband was going to go to the house and move the last few things, but then realized he has just given the realtor the keys. Duh! He had planned to go and do this, but we both thought the meeting was tomorrow. Luckily, we bought some doors for the old house and had them all keyed the same and we didn't use them all. We sold them to my husband's brother, so he went and borrowed their keys so he could get into our old house. What a thinker!

When he got back home he called the number the banker had given us to cancel the mortgage payment. . . "Hello, you have reached the New AT & T. For English, dial one. . ." The banking genius has struck again. Sheesh.

If He Only Had a Brain. . .

My banker needs a new brain (see previous post "My Banker Needs a New Calculator"). And a new profession, apparently. We close on our old house tomorrow, I hope. My fingers are crossed. He called the other day and said, " I need your last two paycheck stubs by tomorrow." Is he totally stupid? I have had my paychecks directly deposited into that very bank for the past eight years. Does he not know how much I make? It really shouldn't be a mystery. I have no faith in the guy whatsoever. We go sign papers at the bank today and we sign papers at the title company tomorrow. I am baffled by the title company's involvement in this whole process. I think I understand the title company's initial purpose when we bought our land; to make sure the people who were selling it really did own it and really could sell it to us. That makes sense. During the construction process, however, their function became unclear. They seemed to be doing things that the bank should have been doing. Like when our contractor would finish a part of the job, we would go sign at the title company, they would give the info to the bank, and the bank would release the money. Wouldn't it have been easier just to go to the bank, cut out the middleman, save some money, and be done? Nope, everybody needs to get a piece and being cost efficient doesn't really seem to have anything to do with it. Maybe I'm the one who needs a brain.