What??
Thank you to everyone who dropped me an e mail and I apologize I have been without a computer for 2 weeks and only recently learned how to respond to e mail on my celly.
So here I am in Philadelphia...disgusted amd mad would be an understatement.
Let me backtrack just a bit.
So we have this buyer who by all accounts, is a strong buyer. She has a few debts but still has a 680 credit score so all is good right??
My realtor Ed tells us everything is going as planned until early July when Ed stops by to tell us there is a tiny problem with the buyer and we need to push closing back one week. I was a little surprized by this but Ed was not at all concerned, the matter causing the delay was rectified and a closing date of July 24th was set.
Let the countdown begin!!
All the arrangements have been made with all the utilities, cable, gas, water ect....the insurance for the new home was purchased, Drew was transferred to his new school and spoke to the folks at his new job. WE even got the paperwork to transfer our cars and licenses. I even had a little time send out "we moved" cards to family and friends.
On Thur July 24th we rented a huge moving truck and kenneled the dog. WE had ample help but loading the truck still took ALL DAY!!!
Once it was done we let FIL drive it to his house since here in the city there is no truck parking and truth be told I would be afraid around here someone might try to break in to it anyway.
All we kept was some blankets to camp out on the floor our last night here, some toiletries, our cat and some odds and ends which didn't make it on the truck.
There was an air of excitement and no one got a good nights sleep but we have to get moving as the buyer has her walk thru at 9am.
Turns out we had a lot of odds and end left in the house and since we are without one car we decided to let Amy run a full car load up to MIL's house-drop it off on the patio and come back for the rest.
All of this took a little extra time but the walk thru goes off without a hitch. The realtor even took the sign out of the lawn!! It was getting close to settlement and we knew we'd be a little late so we call Ed to let him know to which he responded "The documnets are not even here yet so take your time".
Finally we get everything out of the house and do our last walk thru. I am feeling sad and excited...Frank was the same. But we leave and go to the office to do the settlement.
At the office we are all together in a large room and things begin. But there are still no documents so we all wait.
Tick tock tick tock....time creeps along.
Ed asks us again what time our walk thru for the new house is, we say the walk thru is 2 pm with settlement at 3.
He says "no worries, as soon as the documents are faxed over, we'll have you out of here in no time."
Its now lunchtime and Ed gets us aside and says "look, there is a problem they need to sort out, why don't you guys go get a bite to eat and by the time you get back, we'll be set to go.
So we leave for about an hour but when we got back no progress had been made and in fact its gotten worse but Ed is still telling us to just hold tight.
Tick tock tick tock.....we missed our walk thru.
Tick tock tick tock.....we missed our settlement!!
Well it turns out there indeed was a HUGE problem with the buyer. One that lowered her credit score to 520 thus making her inelligable to an FHA loan.
All this time we were waiting, the big wigs at the realtors office were trying to get them to approve her mortgage.
So what was the problem that caused such a drastic drop in her credit score??? Well she had a Ballys gym membership which she paid thru her bank debit account. At some point her identity was stolen (she has a very common name) so she did the right thing and switched all of her accounts and even had the paperwork to prove it. But here Ballys was withdrawing the monthly dues from her dead account (this was their mistake not hers!!) The account fell into arrears and Ballys put a mark against her credit.
Even though it was not her fault but a glitch in the paperwork Bally still has the mark on her and flat out refuses to remove it. Believe me this girl had better hire herself a good attorney!!!
So its late Friday afternoon, our moving truck is still parked at the inlaws which is where the kids are and the cat.
Everything we own is on the truck so tightly packed in!!
Frank the kids and I have the clothes on our backs and the odds and ends in the cars.
So we stay at the inlaws for the night and try to come to terms with possibly having a dead deal on our hands but Ed assured us they would work thur the weekend and try to get her a mortgage.
On Saturday after another sleepless night we get up go to the storage place where we have a small unit, rent another unit and begin to take "some" of the stuff out of the moving truck. We were just trying to unload enough stuff so we can get to our mattresses and meds.
We come back to our philly house and unload the mattresses and place them on the livingroom floor along with a small tv and a cooler....see we do not want to go to the trouble of moving everything back in because we were told we may have a settlement on Monday.
Sunday we get out of dodge and go for a long drive to clear our heads and spend the day out...besides we still have to find a car for Amy since her wreck. But all day long not a word from ED...I was upset.
On Monday we get word that the NJ house would be available but only for a few more days so I get really upset. I simply cannot believe that we are going thru all this over a d@mn gym membership!! Worse yet I am starting to realize all the changing over we did to the NJ house would have to be changed back....including Drews school. I am totally overwhelmed. It wasn't intil late Monday night that Frank finally had to call Ed but there was no new news so we make the painful desicion to move back in. I made some calls to get some help and buy 12noon on Tuesday we were done.
We made all the calls to have the services put back on or at least in our names but the cable was to take the longest (ugh)!!!
On Tuesday evening there is a knock at the door, it is the boyfriend of the buyer to come a get her mail (keep in mind the buyer is deaf) and it was only then that we learned the deal was dead.
On Wed our house is back up for sale and we decide that since we are on vacation we should make the best of it and start trying to have some fun!! WE did go pick out a snazzy new truck for Amy. On Thurs we decided to take a trip into town to the Reading Terminal and then to Ikea to get a new computer desk (long story). It was a fun day. On Friday we decide to take a trip out to Lancaster Pa Dutch Country but while we were there we had a showing at the house. I really thought nothing of it all day and tried to have a good time, meanwhile our cell service is crap out there so we had a few voice mails. During dinner we get a voice mail from ED just saying to call him ASAP but with bad phone service we wait till we are halfway home.
The lady who came to look at the house made an offer and wants to move in QUICK!!!
She is a techer in the Philly school and wants to be settled before school starts!!!
SO....we are under contract AGAIN!!
Now as for the NJ house I just learned that they will extend the original contract!!!
So it looks good for the end of August but can you guys believe this whole ordeal??
I will not until the ink is dry on both contracts and the keys are in my hand!!
So please say a prayer or send good vibes this new deal works out and we move on with our lives!!
Thanks for listening!
Susie
lowspark
scott55405
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