I failed at life today.
Well, yesterday to be exact. My conscience is so heavy that I’m awake at 1:45 a.m. the following morning, the tension causing me a night time nausea.
I haven’t had a good week. My husband and I process all our financial dealings, including mortgages, separately, since before we married, though we are aware of each other’s circumstances and work together as such.
And my husband, having been dealing with a bitter divorce when I met him, hit some hard times with his own mortgage, so I stepped in and helped him set things straight.
It was a moment that I felt defined our true partnership when I was able to step up recently, and help my husband with relaying documents and communication back and forth where necessary, between the bank, the lawyer, and his mother, whose name was still on the title of his land.
His debts had become one too many, and his mortgage term was coming to its end, so the decision was made to facilitate a title transfer and finally put his property fully in his own name, and refinance his mortgage accordingly, in an effort to consolidate his debts and give him an easier time making ends meet since he’d taken a new job with a major pay cut last summer. I was happy to step in as his secretary extraordinaire and do all the talking, paper chasing, and number crunching for him. It was exciting at first, to be helping like this. I was confident in my abilities after my own experiences as a financial contract administrator, and felt like I could make the universe happen for him.
March 1st, 2019, we were to have the finances in place. I began dealing with my husband’s case on the 27th of December, 2018. It is the 10th of May in 2019 and we will have the finances in place next Friday, maybe. Three mortgage payments have bounced, and I have now emptied a year’s worth of my savings to pay his child support for him as the school year is coming to a quick end and his ex-wife cannot afford to miss payments or wait for them at this crucial time.
The trouble began with my mother-in-law’s lawyer, meeting with her to process the title transfer and begin the refinancing procedure with the property in my husband’s name alone. The lawyer saw my mother-in-law and instructed her to see an accountant to go over financial values before completing the title transfer, as there would be taxes to be paid on the value at the time of transfer. Her meeting with the accountant left her horrified – the accountant that the lawyer sent her to had extremely high rates for his services and proceeded to convince her that she would be in debt by tens of thousands of dollars over this transfer. She was on the phone with my husband instantly, asking if there was any other way to proceed.
I stepped in at this point. I had just had my baby on the 22nd of January and we were now into the first weeks of February – we were going to fall behind if we didn’t act quickly. So I contacted the loan officer assigned to my husband’s case and asked the same question as my mother-in-law. Is there anyway we can proceed without having to do this title transfer? The answer was a bland “no”. Unless we wanted his mother liable for his mortgage as well, we would have to find some way to proceed with the transfer. I then chose to contact my own accountant – and asked her for help with the matter. She was happy to give us her assistance. We quickly met with her, hoping we could rectify the situation before we ran into trouble. She gave me the assignment of finding a realtor to assess the value of my husband’s property, and to research the value of the property at the time that my husband’s father passed away.
It didn’t take more than a day and a half. Baby in tow, I visited the realtor, then my mother-in-law’s lawyer, then the realtor again, and then made phone calls back and forth with my accountant. She proceeded to inform us of a far lesser amount of taxes liable based on a title transfer at the value I had presented to her from the realtor’s assessment. So we sent my mother-in-law back to her lawyer with this new information to complete the title transfer once and for all.
We were devastated when my mother-in-law called my husband that evening to inform him that the lawyer had turned her away and dismissed the information presented from my accountant. The lawyer berated my accountant and claimed he would not proceed with the transfer until my mother-in-law visited the accountant HE chose for her. I’d never heard something so ridiculous. My mother-in-law didn’t know what to do, and I was beginning to wonder as well. My husband insisted she go back to her lawyer and put her foot down and tell him we will proceed with what we have, and that’s it. His mother agreed, and scheduled yet another appointment. Two more weeks lost, because of the nonsense.
When finally she got in and had words with her lawyer as planned, the lawyer did in fact not respond to her as planned. He simply refused to serve her. Away we came for a third time, empty handed and now on the edge of our deadline. My husband was beginning to lose all hope.
So I performed once again, and called on my own lawyer, asking if he would be willing to step in. He said he would be happy to, so I felt like I had saved the day yet again. A week went by before we were sent in to meet with him. I was a little shocked when we were met with his partner, instead of himself. But oh well, they were helping us and that’s all that mattered. We were saved, and I was confident everything would be alright.
I was wrong.
My lawyer’s partner met me with a strange vibe, that I only recently realized was in fact, a nasty, judgmental disdain which at this point I do believe interferes with his motivation to handle our dealings regarding the title transfer as well as the new mortgage waiting to be secured against my husband’s property. A disdain for my age, and his assumed reasoning toward my choice of spouse – my husband is twenty years older than I, and here I was, handling all the financial matters on his behalf – perhaps for my own recreational gain more than my husband’s best interests.
What started at the end of February and should have taken two weeks, took more than two months instead, with one attempt to stall the procedure after another.
I watched my savings fade away – money I’d become proud of holding onto in case of emergency – because this man was purposely holding us up. The loan officer was purposely holding us up. We told them this was urgent. We expressed how important it was that we complete this procedure as soon as possible. And yet – every possible snag that could be caused by brutal misconduct and miscommunication, was in fact caused.
With a baby on my hip, I was travelling between two towns and our home at least four times a week, delivering paperwork, obtaining signatures, transferring balances between accounts to facilitate impossible amounts of extra transactions necessary for this whole procedure to take place.
My husband’s job was leaving him in a manic depressive state, unhappy with himself and as a result, unhappy at home. This caused a strain on our brand new marriage, with our sweet little baby in the mix now, too. On top of over-indulging, extremely dramatic “friends” of his invading our personal life and testing our patience with them and with each other. It actually got bad enough that we had to hang gates on our driveways and lock them with padlocks – I have already received a death threat from one of these “friends”.
At the same time that we were attempting to refinance my husband’s mortgage, we found an incredible opportunity two hours away. A firewood business – my husband’s DREAM occupation, was listed for sale for a reasonable price according to the projected income and the listed assets included in the sale of the company. We grew wild with lust for a fresh start and a new job for my husband. I assured him that with my smarts and my secretarial abilities, I could make it happen one way or another and convince a financial institution to loan us the money necessary to take on this new opportunity. I finally began to see the light come back to my husband’s eyes.
I watched my husband work himself to the bone attempting to bring in enough money to get us by, while I lost sleep with my new baby, worked on paperwork and finances during the day, and cried myself to sleep in the evenings.
We’d come a long way by the middle of April, but we were falling very far behind financially by this point. I continued to pressure my lawyer and the loan officer to speed up what seemed to me to be an eternally long process. They continued to balk me, and send me more “assignments”.
The owners of the business we were interested in purchasing were getting to know us quite quickly and could see how desperate we were to start over and make the most of ourselves.
It was a warm Monday afternoon when the bank phoned me after a celebratory email the Friday before, claiming we had finally been approved for funding and now just needed signatures to finalize everything. My husband was over the moon. So was I.
The loan officer called to tell me the rates and expected payments we would be looking at, for the mortgage. It sounded too low to me, so I asked her to clarify the amount of the mortgage, and she quoted me an amount less the cost of the business we had wanted to purchase – so I pointed this out, and she explained that we had not been approved to purchase the business – we had only been approved to refinance my husband’s mortgage. I was horrified, and exclaimed that she’d misled me with her email, and she agreed that yes she had – but she claimed she hadn’t meant to.
I suppose we saw it coming in the last couple weeks leading up to this point. Red flags had begun to spring up all over the place with this business, and we clued in quite quickly just how falsely a lot of the information had been presented to us to begin with. The owners themselves approached us, not yet knowing we’d in fact been declined, and encouraged us to change our minds about buying the business. They convinced me to take the last of my money and pay half of a truck driver course for my husband with the promise that they would hire him at a far better pay rate than he has currently, but took that offer back as well, after it was too late and we had already enrolled.
It was devastating, but my husband and I chose to accept this as a blessing in disguise and re-focus our attention on our own home and what we could start on our own. Perhaps we could start small with firewood, now that we knew more of the industry.
Maybe we will get serious about farming.
Perhaps we can expand with investment properties and earn more rental income over time while building equity.
In the end, we still have each other, we agreed. So now it was time to finish this mortgage dealing once and for all.
I questioned if we should have sought services from a different financial institution after the loan officer misled me so brutally, for what I honestly feel was her own amusement at our expense. But we chose to proceed with her anyway, since we were this far in already.
And so, we resumed our proceedings as normal, now without the thought of the business being attached to the mortgage.
But it still dragged on. Suddenly new complications came up – the loan officer had to come to our home to have my husband sign the last of the paperwork. After missing a full week of work due to the driver course he enrolled in, it was too much for my husband to take more time off right away, so this caused yet another exhausting two week delay. The loan officer finally made it here last Friday to get papers signed.
Now the last step, she told me, was going to my lawyer and signing his contracts, providing him a confirmation of insurance, and having him submit his paperwork back to her, and from the day of her receiving his paperwork, we could expect to see the finances within three to five days. I showed some frustration with this, and expressed how far behind we’d already fallen by this point. But the loan officer simply shrugged and gave me the “I’m sorry. I can’t help it.” speech.
So on Monday I headed in to the lawyers office and asked to see him. He met me in the waiting room with a very obvious sense of disinterest. I offered him the confirmation of insurance and asked if we could schedule to sign – I was there now, so why not let me sign while I’m there? He rejected the confirmation of insurance and said it would have to be filled out on his own form, not pre-made. So I requested this form, and he said he could not provide me with it until we would meet to sign – at which point he also refused to let me sign then. It would have to wait until it suited him better.
So we found ourselves scheduled for Wednesday morning to sign the FINAL documents. This was it. The moment we had been waiting for for now almost six months.
But once again – bad news. The lawyer met us with nonchalance and informed us that he’d in fact not processed the title transfer yet, and to do so would cost about five hundred dollars and still take a day or two. Then he handed me the paper needing to be filled out by my husband’s insurance and instructed me to go have it filled out and faxed back, and he assured me then he would send everything into the bank, finally.
So I left his office and drove straight to our home town and had the form filled out and submitted as required. Now we waited with anxious anticipation.
It didn’t come as a surprise when I received a call Thursday morning from the lawyer, with another complication. A new form had come up, needing signatures from my husband and his mother, to facilitate the title transfer once and for all, and we could not proceed with funds until this document got handed in. So, I got dressed, loaded up my baby, and back on the road we went, over tired and more depressed than I’ve ever felt – more hopeless than I’ve ever felt – in my life. I didn’t complain. I didn’t argue. I did exactly as was requested of me, and delivered the signed document straight to the lawyer’s office. He refused to see me when I got there, so I asked the receptionist to hand the document in and remind him that I was insisting he send the document package into the bank immediately.
Which brings us to Friday, yesterday morning. Another morning phone call. More disdain dripping from his voice as he quite calmly told me there was a new document that needed signatures and filling out – this time from my husband’s ex wife. And I finally lost my temper. I finally demanded to know why on earth these documents hadn’t been handed in and what the heck my husband’s ex wife could possibly have to do with this.
He responded in a shallow tone. My husband’s ex wife’s name was still on the home insurance policy, and would need to be removed or else he was unwilling to proceed with the document package for the bank. The same insurance that I attempted to offer him on Monday – that I obtained for him again on Wednesday – he chose not to deal with this sooner, but rather wait until now, to bring it to my attention.
I was furious. I emailed the loan officer and demanded that she request the document package with the previous confirmation and proceed with things as they are, until I could contact my husband’s ex and ask her to sign off on his home insurance.
The loan officer emailed me back, mocking me with an air quote of my sentence containing the words “proceed with things as they are” and implied that I was making a ridiculous demand that would be entirely against policy.
I didn’t hesitate to email her back and call her out for her mockery of me, and proceeded to tell her that I have experience in her very line of work and I know the policies and procedures surrounding large financial contracts. My husband in the meantime sensed my meltdown and left his work early, tracking down his ex with the update form and asking her to sign, and she did. He promptly submitted the document, and demanded that the bank now proceed.
Moments later, I received a smug reply from the loan officer that they’d received the updated insurance binder and had now finally submitted all documentation for fund transfer. No apology in sight.
My husband arrived home, and I had just finished getting ready to head to town with baby to go and try to get the document signed by his ex. I read the email from the loan officer just as he entered the house, and told him I felt outraged and robbed of something. Maybe some dignity. I felt embarrassed. He expressed sympathy as he changed his clothes and also got ready, as he had a medical appointment to attend right away. We decided to travel into town together, and tie up any loose ends still hanging.
I was angry, and disoriented, and could not focus on anything. I told my husband how ridiculous I felt this whole thing was, and how embarrassed and angry I felt, as we pulled into a parking stall on Main Street.
I swung my door open just as a peace officer pulled up to park beside my car, and almost connected with my door. The words were out of my mouth before I even realized it.
“Wow. Are you kidding? How f*^king stupid can people be? Just because you’re a cop doesn’t mean you can pull in and park like an idiot while I’m trying to get out of my car!”
I meant for myself – maybe my husband to hear it. But nobody else.
I stood, closed my door, and began walking toward the bank while my husband waited in the car with our baby.
And suddenly I heard, “Miss! Miss! Excuse me!”
I looked over, into the bright young face of a new peace officer in town, with kind eyes looking back at me.
“I’m sorry about that.” he told me. “I’m new in town and I didn’t mean to pull in and almost take your door off! You’re right it was stupid!”
Of all the things I’ve ever heard anyone say to me – this has to be the most dis-arming comment I have ever heard. I went bright red – I tried to speak but stuttered, and I finally blurted “Well you were not supposed to hear that and now I’m awfully embarrassed and I don’t have a clue what to say. I have to go.”
I only embarrassed myself more when I said that. I hastily stormed off, and heard him call out one more time.
“I hope your day gets better!”
I don’t know if God himself put this officer in my path today. But I feel I needed this to happen, for me to remember just how impactful my expectations are, and my reactions to my circumstances.
Things are not hopeless. Life is not over. We had a rough time. But here we are – the roof is still over our heads and we still have each other. We might not have a great day every day – we might have bad days like we had today – but if we change our attitude, we can make anything better. A bad day turned to a good evening.
I called a cop stupid today, and he heard me.