What did you accomplish today?

hillbill

Well-Known Member
Fresh Black Silk
100 Knee Bends
2 dogs out and backin and fed
Chopped 2 little of My Own Space Monkey x SleeSkunk 90d 12/12 from seed.
Chopped 2 big Super Critical from Green House Seeds 92d 12/12 from seed.
Gonna take a drive to look at Christmas lights tonight.

Still an hour for SunUp!
 
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TerryTeacosy

Well-Known Member
After a 6+ month battle of trying to negotiate a change to our mortgage/construction loan with our bank, they finally backed-down & came-through this arvo.

Automated "Default" letters of demand for the FULL outstanding balance, threats to sell the property out from under us etc...etc... have put a huge amount of stress on us & our relationship.

When I explained the circumstances of the past few years & reminded them that we hadn't defaulted on ONE SINGLE mortgage payment in all that time, I managed to get onto someone who would actually LISTEN & not just follow the automated corporate checklist.

They've removed all of the construction-loan requirements from our loan & now we're on our own, but I made sure we had a "Fighting Fund" tucked away just in case. I wasn't going to give up without a fight.

Now, we get to hold onto our property & the home I'm building (pretty-much solo). Still some hard-times ahead, but at least the emotional pressure of dealing with brainless bank automatons is behind us. The relief is absolutely immense. It's been a hard-won battle, but it's all been worth it.

It's Summer Solstice & currently, we have a wonderfully gentle, cleansing/soaking rain falling outside as I type..... Appropriate, eh?
 
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Aeroknow

Well-Known Member
After a 6+ month battle of trying to negotiate a change to our mortgage/construction loan with our bank, they finally backed-down & came-through this arvo.

Automated "Default" letters of demand for the FULL outstanding balance, threats to sell the property out from under us etc...etc... have put a huge amount of stress on us & our relationship.

When I explained the circumstances of the past few years & reminded them that we hadn't defaulted on ONE SINGLE mortgage payment in all that time, I managed to get onto someone who would actually LISTEN & not just follow the automated corporate checklist.

They've removed all of the construction-loan requirements from our loan & now we're on our own, but I made sure we had a "Fighting Fund" tucked away just in case. I wasn't going to give up without a fight.

Now, we get to hold onto our property & the home I'm building (pretty-much solo). Still some hard-times ahead, but at least the emotional pressure of dealing with brainless bank automatons is behind us. The relief is absolutely immense. It's been a hard-won battle, but it's all been worth it.

It's Summer Solstice & currently, we have a wonderfully gentle, cleansing/soaking rain falling outside as I type..... Appropriate, eh?
Right on man! I kinda know the shit one has to go through sometimes. I tell you what, I’ll never build another house like i did this one. Pretty much by myself also.
I am finally almost done dealing with all the stressful shit that goes along with losing my house and community to fire, dealing with the insurance company and choosing to build my house. Dealing with the insurance company has been the worst experience of it all. I am still trying to collect the rest of my money and the fire was more than 4yrs ago its fucking insane what this insurance co has put me through compared to everybody else i know who lost everything also.
Right now though. I’m still fucking waiting for the county to approve the stupid fucking changes I made to the plans involving only the decking. Once that is done I can print that final set of plans and call for a final. I need to final on the construction to show the insurance company my house is complete. I can then collect the last of my policy that is for code upgrades, around $60k more, and be done with those mother fuckers and pretty much this whole fucked up 4 year period of my life.
 
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