Congratulations! You are still king. I have never done a mortgage that way, the bank will send a title company to handle the closing. I am usually geographically separated from the property, so that makes sense for me, but, now, they even do them local. It makes them responsible for the faux pas.
Somebody on their end was negligent and unless they want to make them pay for their error, it has to be your fault. I am glad you insisted on running it further up the chain. I have to agree that face to face is always better. Texting or a phone call is so impersonal. That is so true what you say. Always insist on face-to-face when you can.
I think we both know that they can undo a mistake like, especially as you were PAYING for it. What did they attribute that payment for?
Happy for you!
Score!
I am guessing that in Finland, a lot of people must just assume that nothing can be done and bend over and swallow it. I don't think it was the banks felt per se, it was the loans manager, but the represent the bank. I suspect that there is a reason that they don't work there anymore and once they started looking more deeply into it, they decided it is best to fulfill the original agreement. My wife was pretty annoyed, as they said "it is impossible" because they don't have this product anymore, but as I said to her originally, it is literally a few clicks and plugging in the right numbers. It isn't like they threw the model away when they stopped offering it.
It is also funny, because as you say, this isn't free for us, we are paying a premium. The thing is though, that times have changed and the percentage we have is about half what their new product has, which is significant if rates move quickly upward. A lot of people don't seem able to imagine what the difference is between 1 or 2 percent in the space of a year, but as I said to my wife, it is the difference between one month salary extra to pay for her, or two. The perspective helped.
Exactly. When a soldier makes a gross error, they fire the General. He is in charge and if his people are not trained or do something wrong, it is his fault.
In the US, I encourage as many people as I know that have long-term mortgages to refinance if they have the credit. My sister saved $700 a month just by doing that. She didn't incur too much more on her principle and if she wants to apply that $700 to it, she will realize the gain quickly. People do not realize that over 1 year, they will have saved almost $8500.00! just by doing that. A point or two IS a big deal!!