So apparently I'll be unable to read any mortgage related posts on Consumerist.com while writing this memoir, because I'm sure that the site's take-no-prisoners community will make short work of this book if it ever gets published.
In this post, a young couple moved into their first house a few years ago. Then the husband lost his job and they couldn't make the mortgage payments. They asked their lender PNC Mortgage for help, and we all know how that goes.
They moved out of the house, sold their Pottery Barn and Crate&Barrel furniture, and moved into an apartment with some IKEA furniture. They still pay the HOA fees and are trying to negotiate a short sale. PNC is being awful and now calling their relatives about the missed payments. Now there's a short sale under review and the bank's locked them out.
It just seems like PNC has made a bad situation unnecessarily horrible. They're obviously doing their best, though, so why is the Consumerist community piling onto them and treating them like whiny ax murderers? The reasons are legion:
1. They had Pottery Barn furniture.
2. They had Crate and Barrel furniture
3. They signed a mortgage, so tough titties.
4. They didn't have enough savings -- obviously because of the Pottery Barn and Crate&Barrel furniture.
5. They bought IKEA furniture.
So I've decided not to read Consumerist posts about mortgages for a while because there's no way I can write this memoir with visions of the Consumerist hive screaming for my blood. But this does remind me to keep the "poor little me" attitude out of my writing. I must never forget that Mr. Killer Robot and I got ourselves into this situation. The recession just made it worse.
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