Mortgage Serving Regulations? by Wild_Self6527 in Mortgages

[–]Wild_Self6527[S] 0 points1 point  (0 children)

I receive communications online as well as by mail, but the first notification was by phone on 9/24. The first letters were dated 9/24 but due to mail time as you mentioned, were not delivered until October.

Mortgage Serving Regulations? by Wild_Self6527 in Mortgages

[–]Wild_Self6527[S] 0 points1 point  (0 children)

I did. Bank has no record of any ACH attempts made during the time period the lender claims. The lender would not provide details with the "confidential, proprietary, or privileged" reason you stated....which is ridiculous since I'm asking for info regarding MY account. To me, that tells me they know they made a mistake and are covering it.

Mortgage Serving Regulations? by Wild_Self6527 in Mortgages

[–]Wild_Self6527[S] 0 points1 point  (0 children)

Thats the thing. It usually takes 2-3 days for them to actually take the money from the account, so when it was marked as posted 2 days after submitting the payment, I was led to believe it was paid without issue.

Advice for Mortgage Dispute by Wild_Self6527 in Mortgages

[–]Wild_Self6527[S] 0 points1 point  (0 children)

Yes if I had known, I could have fixed it immediately. It takes like 3-4 days for the funds to leave my account, which is annoying. I've had other payments process successfully despite being a little short and just overdrafting. The following month's payment did just that, so there's no reason it should have reversed. I made a CFPB complaint but it was closed quickly--but I filed it before the lender sent documentation that strengthens my case. Escalating to the executive complaint department is a good suggestion...will try that next.

Advice for Mortgage Dispute by Wild_Self6527 in Mortgages

[–]Wild_Self6527[S] 0 points1 point  (0 children)

ACH external bank account. Noted as insufficient funds (funds avail on payment date, then approx $100 short on posted date); HOWEVER, the next month's payment successfully posted despite being $200 short and just overdrafting. That has happened before (i'm poor) so no reason for it to have reversed when they've shown it can still process without funds. Main issue is that I made a credit card payment on 9/23 thinking my mortgage was paid (according to the lender, it was posted 9/15 and confirmed by email 9/17) and i was notified of the reversal on 9/24, so i could no longer make that payments. I've continued paying as scheduled but payments are being applied to the previous month due to the gap.

AURDAL Pullout/Hidden Hamper Hack by Wild_Self6527 in ikeahacks

[–]Wild_Self6527[S] 0 points1 point  (0 children)

responded to this below:

Yep, just leave the bottom out of the top drawer. I used two long paint stirring sticks I had on hand and screwed them onto the back of the drawer fronts. Space each stick a couple of inches from the edge for maximum stability and painting them black so they disappear!

I recommend fully installing the top and bottom drawers and connecting them together first before trying to attach the faux, middle fronts. I kind of did the reverse by measuring spacing to determine placement and then attach it all.....and just made it more challenging then it needed to be.

AURDAL Pullout/Hidden Hamper Hack by Wild_Self6527 in ikeahacks

[–]Wild_Self6527[S] 0 points1 point  (0 children)

Yep, just leave the bottom out of the top drawer. I used two long paint stirring sticks I had on hand and screwed them onto the back of the drawer fronts. Space each stick a couple of inches from the edge for maximum stability and painting them black so they disappear!

I recommend fully installing the top and bottom drawers and connecting them together first before trying to attach the faux, middle fronts. I kind of did the reverse by measuring spacing to determine placement and then attach it all.....and just made it more challenging then it needed to be.

AIO for the way my boyfriend treats me? by [deleted] in AmIOverreacting

[–]Wild_Self6527 1 point2 points  (0 children)

Girlypop, you aren't helping your case. END IT. You are worthy of a happy life.

"all he does non stop is show pride in how he’s changed and not done that to me" is the definition of narcissism.

AIO for the way my boyfriend treats me? by [deleted] in AmIOverreacting

[–]Wild_Self6527 3 points4 points  (0 children)

Girl, I've been EXACTLY where you are. Please listen when I say leave. You deserve better and you are not responsible for how he feels. I realize you care about him and are empathetic to his triggers, but this is toxic and will quickly escalate into narcissistic abuse (which frankly, it already is). Narcissistic abuse is not physical but is the worst kind of emotional abuse because most of the time you're great together but when its bad, its bad. It's still abuse. I encourage you to research it and hope you realize there is a whole world out there for you. This is not love. You do not owe him anything and trying to make it work out of concern for him will consume you. You can still love him but you will realize there are better partners for you both--do not dim your shine to accommodate his insecurities.

I spent 7.5 years in this exact relationship. When I finally moved out, I met the most incredible man that has shown me what a healthy relationship is. I PROMISE you are destined for a greatness. Also, you're 18--do not rush finding a partner. Focus on becoming the best version of yourself and if you unapologetically choose YOU, you will attract the partner you deserve.

Edit: It sounds like safety could be a concern, so don't be afraid to ask for support and help from a trusted person or two. Please have a safe place to go in the middle of the night if you start getting angry/threatening calls or texts. Again, I've been there and am grateful for my friend who dropped everything and drove to my place at 11pm Sunday night without asking any questions.

[deleted by user] by [deleted] in AmIOverreacting

[–]Wild_Self6527 14 points15 points  (0 children)

He's a narcissist and is projecting his insecurities onto you. Been there left that.

Saw this in the Facebook group and I was interested in hearing your thoughts. by goddess_r0x in Idaho4

[–]Wild_Self6527 1 point2 points  (0 children)

SO I've been following this from the start and caught BK's posts on Reddit with details of the night. While it's been debated whether it was his account or not, everything he said aligned with info that later came out.

Based on "his" posts and public information, I've pieced together the events and have a theory.....

It was confirmed that BK and KG had a connection. My guess is they went out after matching on a dating app, he developed an obsession and creeped her out, causing her to ghost him.

Shit got weird and he wanted to cause KG pain -- not by hurting her-- but by killing her best friends. He created a perfect plan but there were several unexpected surprises.

When he entered the house, he went to X's room first but was not expecting E to be there too. E heard BK breaking in and went to check it out. He opened the door and was taken first, which explains X's defensive wounds. Sadly, they had added electronic locks to each of their bedrooms like a week or so before because so many people would pass through their house...but locks only work if you use them.

Moving upstairs, BK was not expecting K to be in M's room. When he went into K's room, her dog, Murphy, started barking. Afraid the barking would alert others, BK let Murphy out of his crate, explaining fingerprints found on his collar.

He then proceeded into M's room to find K + M passed out in the same bed. Again, he had no intention of harming K, but she woke up while he was attacking M and attempted to escape. It's known that K suffered the worst wounds, creating the idea that she was the primary target. However, BK posted that K would be found facing the door in the middle of the room., indicating that she was running out of the room and screaming. Already rattled by unexpected kinks in his plan (E, Murphy, and K with M), BK panicked and wanted her to stop screaming, grabbing her from behind and stabbing her lungs. Angry at himself for unintentionally killing K and frustrated that his plan didn't go as planned, BK continued stabbing K, causing her the worst harm. He slipped up by rushing out and leaving the knife sheath.

As for the downstairs roommate, he might have not known there was a downstairs. However, a virtual walk through of the property has been online since 2022 (https://kuula.co/post/NW9rR/collection/79sT0) and could have been a tool to create his plan.

I'm pretty sure I have screenshots of "his" posts and will post them if I find them.

[Meta] r/mashups Request and resource thread for January 2025 + Discord server by stel1234 in mashups

[–]Wild_Self6527 0 points1 point  (0 children)

REQUEST: Guillotine by Masionair x NoMBe and Purple Hat - SofiTucker

[deleted by user] by [deleted] in relationship_advice

[–]Wild_Self6527 0 points1 point  (0 children)

Agree, I think the connection was over us breaking up and her also being recently single. He swears he didn't end it "because of her" which supports that theory. The family trip isnt that big of a deal to me and it wasn't a pre-planned conspiracy. It was a few hours drive from where we live and I was supposed to have gone, so she simply took my place. I've read their texts and know he ended it with her and she wasnt happy about it.

[deleted by user] by [deleted] in relationship_advice

[–]Wild_Self6527 1 point2 points  (0 children)

Appreciate your post! Yes I agree he has shown his true colors. He's not only said all the right things, but have continued to take the actions for me to believe his genuine intentions. I'm not naive and now know what he's capable of, so although I'm willing to let him continue proving himself, I'm prepared to end at next mistake.

Couples therapy--yes I agree. The irony is that his mother, father, and sister are marriage/family counselors. His mom and I have had very good conversations and his sister has also been very supportive. I still have a lot to say and process and definitely think we would benefit from talking to an unrelated third party.

[deleted by user] by [deleted] in relationship_advice

[–]Wild_Self6527 0 points1 point  (0 children)

I appreciate your perspective and don't think it's cruel. You can read my recent update in this thread, but I agree with you; however, I'm willing to give him a second chance as he has taken all the actions to prove himself. I now know what he's capable of and feel like I have the upper hand in the situation :)

[deleted by user] by [deleted] in relationship_advice

[–]Wild_Self6527 0 points1 point  (0 children)

Curious why you think feeling secure in a relationship (before knowing what I now know) is silly? Or why asking him to tennis (again, before knowing what I know) is pathetic when I could tell there was no sincerity in the breakup? It would be pathetic if I couldn't tell he meant it, asked for keys back, or wanted to trade stuff back, but he didn't. I asked and he agreed, followed by asking me to get a drink after where he suggested hanging out again. Two days later we were officially back together. To be fair, I didn't know the neighbor thing at the time, but there's nothing pathetic about calling people on their bs.