hkellick: Pittsburgh, City of Bridges (Default)
A couple days before Christmas, I came home from work and Robert says "Hey, i smell smoke upstairs." So we look and, yes, we smell smoke upstairs. In fact, the smell comes wafting down to the first floor. No fire alarm has gone off, though.

I google what to do about it and google says to call the fire department and let them know what's going on, so I do that. The fire department comes in in masse and checks EVERYTHING, thoroughly, and finds no proof of fire. No electric short, no fire, nothing. Plus the smell and haze dissipated so they said if it comes back, let them know.

We go to Buffalo for Christrmas, we come home. 

The day after coming home and we start hearing a buzzing sound occasionally. Not sure what it is, but we eventually realize that it's happened when the heat comes on. Kristen does some quick googling and it might be the fan dead.. or the furnace dying. So we call a furnace repair company who comes in and looks at it. They test it and say it's the capacitor that's dying and they can fix it, and they do fix it.. That smoke we smelled? That was probably the blower motor not starting properly and blowing smoke through the duct work, instead of air. The repairman notes the furnace is roughly 20 years old, though, so we'll need to be prepared for a replacement soon. Well, he fixed the capacitor, tests everything and it seems OK..  for roughly an hour or two, and then the furnace dies.

The GOOD news is we ended up being able to talk to a company Friday and we bought a new furnace. Bad thing is with the holiday, the new furnace will be replaced Tuesday. The team shows up Tuesday morning.. but it'll take some time to fix. 

The GOOD news is we were able to call Robert's best friend's family who agreed to take Robert for a couple of days, so we aren't worried about a 13 year old in the middle of this. He's off playing video games with his best friend. Meanwhile, Kristen and I are trying to stay put, running space heaters, using the oven and just trying to keep the air comfortable warm for us and our cats.
hkellick: (Moving)
So, after making about 100 phone calls, we finally figured out what was going on.

In short, it's not the Bank's fault and it's not REALLY my fault, it's the credit reporter's fault.

When I first moved to the DC area, I had alot of debt to take care of and wasn't making enough to live in this area and pay off my debts. I did my best working with everyone involved, but long story short, a couple of my student loans ended up going default.

About three years ago, we got a nasty surprise when we got a letter from a company telling me I was default on a bunch of loans and I had to pay $50,000 RIGHT NOW. Needless to say, I didn't have that, but we worked out a payment plan and began rehabilitating my loans. Two years ago, the loans were officially rehabilitated and I got a chance to consolidate all my loans into one loan that I've been faithfully paying for two years.

When the loan was finally rehabilitated, the department of education sent a letter to Equifax letting them know that the loan wasw not in default and remove this from my credit report. Equifax failed to do that. I've lodged an appeal of this debt from Equifax (and when I spoke to the Department of Educaiton, they also lodged an appeal saying, basically "Hey we told you guys in December of 2006 that this loan is no longer in default and remove this from the credit rating.") but it will take them 30-45 days to fix it, according to their website and all the people K and I spoke to yesterday, including our real estate agent and the mortgage banker we were sent to.

If part of the plan wasn't to close on a house by November 30 and get $8,000 back on our taxes, we probably COULD have still bought a house, but time is short and talking to everyone, it's incredibly unlikely at this juncture that Equifax will fix the error in a timely manner.

So... now we're back in the realm of renting, at least for a year (Keep in mind K is having a baby in six months, so there's no point in trying to do it sooner). Possibly renting a house, possibly an apartment, depending on cost and travel time, mostly. Our real estate agent is looking at houses for rent right now and we'll go out the weekend after labor day to start loooking at them, says she.

Our hopes are that Obama decides to resign the.. I'm not sure what.. that is offering the $8,000 tax refund if we are a first time home buyer. In that case, we can start the paperwork much earlier, begin looking earlier, etc.

So.. that's where we stand. One way or the other, we still feel like we HAVE to move, that this two bedroom apartment is not enough room. So... stay tuned, I guess.

Bad News

Sep. 2nd, 2009 12:50 pm
hkellick: (Moving)
I've had a long, extremely stressful morning. Between one boss and another, I've gotten no chance to do any actual WORK today despite two rapidly approaching deadlines on Friday, and this afternoon looks too busy to work too.

Getting out of ANOTHER meeting, there was a call from K. K got the call from the.. person at our bank we asked regarding getting a mortgage.

In short, despite consolidating all of my student loans some three or so years back, apparently one loan was missed, and it defaulted, and even if I get it fixed up and brought back into good standing, our window for buying a house is.. quickly fleeting.

So... now we need to consider other non-house issues.

Long run, this isn't a big deal, it's a pothole in the road of life. Short run, we STILL need to move because we STILL don't have enough room for a baby, so now we look at rentals or a three bedroom apartment.

Due to the morning, I'm just feeling.. unable to feel. I'm sure I'll be bitterly disappointed once I get a chance to THINK, but now... I just feel a dull ache.

*sigh*

EDIT: FINALLY got through to Sallie Mae (the holders of my Educational Loans). There's a mistake. No loans are in default.

What's going on? I has no idea.

I'm just glad that it isn't as bad as I feared.

April 2024

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