sharnaburgess

My Dad! 💗 Holy heck it’s your 70th birthday!!!! This is a big one, and such a special one. After a lifetime of lessons, memories and pivotal moments in my life, there couldn’t be a more pivotal moment than when I started dancing, it set the course of my life. You are the reason that I started to dance, and you are the reason I’m still dancing. Without fail you were at every lesson, every practice and every competition. You always have been and always will be my greatest champion and my fiercest supporter. I cannot thank you enough for everything you’ve given me in this life. The support, the sacrifices and the love. You always believed I would be a champion even when I didn’t. I am so lucky to have you as my Dad, and I am so so grateful that you’re still here. We’ve had our own miracles the last few months that has brought your health back and brought you back. I’m grateful everyday and thank The universe every morning. You told me when I was little that you would live forever, and I’m gonna keep you to that.
Thank you for loving me, believing in me, and providing the best for me every single time. I love you Dad, happy 70th birthday ♥️
3d

https://www.instagram.com/p/Bxd--FOH8FS/

Wrapping it up for tonight.
Sleep well my sisters and dream happy dreams...
Till we chat again....HUGS

I have already let April know that it is because of her example that I will be posting more often.   I do not want the posts to be very long so I will begin by telling you what happened on Nov. 30, 2018, the day set for the closing for my younger son's purchase of that beautiful Victorian home.

He, his realtor and I were doing the final walk through on the house and were headed out the door to go to the closing.  The realtor received a call from the broker for the loan:  my son's credit score had plunger 200 points all because of two or three late bill pays of minimum payments on his secured credit card.  He was stunned.  He had gotten a secured credit card on Oct. 18, 2017. On that day (I was present when this happened.) the customer service rep went over all the advantages to getting a secured credit card.  When she named the last one "It can be linked to your checking account so that there are no late payments" he said, "Great I'll take it."      

On Nov. 30, 2018, he along with his realtor and me went directly to his local bank, not the bank issuing the mortgage, but the bank with which he had had an account for close to 20 years.  Neither the president nor the senior vice president (a former student of mine and the whole reason my son had merged his Chase account with his local bank) were in their offices.   So he went immediately to the customer service rep with whom he had met in Oct. of 2017 to merge his bank accounts and to get a Secured Credit Card.   After telling her what had happened to his credit score and the late payments on the secured credit card account, he asked this question.  "How could this happen when my Secured Credit Card account was linked to my checking account  on Oct. 18, 2017?"  Her reply?  "We are instructed to wait for the customer to intentionally ask to have the two accounts linked to each other.  We are instructed not to ask whether or not the customer wants to have the two accounts linked."  Everyone who my son and I know who has a secured credit card account  (albeit at different banks) was asked by the customer service rep "Do you or do you not want to link these two accounts?"  

The bank made a second decision that day.  It has been a hard experience because we know these men and because they were a big reason why my son decided to merge his Chase account with his First National account.  And both me are very aware that a lot o money goes through his checking account and that he maintains a high balance.  In spite of all this, they agains decided not to consult with him even though he paid in full, even though it was not due, the $150 plus all the late fees the bank had leveraged, the balance of what was on the secured credit card account.  So their next decision was to close the account, to cancel it and to refund the balance due to my son because he had secured it for $1000 which the bank held in escrow. 

My son was completely unaware until later that this decision has made it very difficult to rebuild his credit score which was at 720 when he was approved for the loan.  He no longer has his own seasoned  card and he has been advised to wait before getting another secured credit card.  

Parallel to all this has been the shock of so many people that this is what the bank did.  But we have had bizarre things like this happen before and have found out much later that there is a back story of which we have not been aware and so were are operating in the dark.  It was several weeks later that I recalled a meeting I had with the president of this bank in the spring of 2018 about saving the Victorian from being torn down by a local contractor who wanted to build acts in its place.  He said, "We would rather you take your idea and buy such and such a property.  It is closer to the university.  Also we feel that the best use for the corner on which the Victorian is located is to tear down the Victorian and build an apartment complex."  And he told me that the bank would help us buy the property he had identified as a great place for the ideas that my son had.  

No one else has bought the house.  There are a couple of investors who want to work with my son so that he does get the house.  So he is putting together plans for fundraising and for gathering signatures from people who want to save this beautiful home and who love the idea of it being a place that people from the community can drop in for conversation and tea---people from all walks of life, with varying skin colors, varying cultures and varying points of view.    

I am posting this without editing my final post.  So please excuse misspelled words, sometimes the work of auto-correct.  I think of all of you often and pray for you and send you good wishes. 
 






  



 



 

KeepOnSinging wrote:

I have already let April know that it is because of her example that I will be posting more often.   I do not want the posts to be very long so I will begin by telling you what happened on Nov. 30, 2018, the day set for the closing for my younger son's purchase of that beautiful Victorian home.

He, his realtor and I were doing the final walk through on the house and were headed out the door to go to the closing.  The realtor received a call from the broker for the loan:  my son's credit score had plunger 200 points all because of two or three late bill pays of minimum payments on his secured credit card.  He was stunned.  He had gotten a secured credit card on Oct. 18, 2017. On that day (I was present when this happened.) the customer service rep went over all the advantages to getting a secured credit card.  When she named the last one "It can be linked to your checking account so that there are no late payments" he said, "Great I'll take it."      

On Nov. 30, 2018, he along with his realtor and me went directly to his local bank, not the bank issuing the mortgage, but the bank with which he had had an account for close to 20 years.  Neither the president nor the senior vice president (a former student of mine and the whole reason my son had merged his Chase account with his local bank) were in their offices.   So he went immediately to the customer service rep with whom he had met in Oct. of 2017 to merge his bank accounts and to get a Secured Credit Card.   After telling her what had happened to his credit score and the late payments on the secured credit card account, he asked this question.  "How could this happen when my Secured Credit Card account was linked to my checking account  on Oct. 18, 2017?"  Her reply?  "We are instructed to wait for the customer to intentionally ask to have the two accounts linked to each other.  We are instructed not to ask whether or not the customer wants to have the two accounts linked."  Everyone who my son and I know who has a secured credit card account  (albeit at different banks) was asked by the customer service rep "Do you or do you not want to link these two accounts?"  

The bank made a second decision that day.  It has been a hard experience because we know these men and because they were a big reason why my son decided to merge his Chase account with his First National account.  And both me are very aware that a lot o money goes through his checking account and that he maintains a high balance.  In spite of all this, they agains decided not to consult with him even though he paid in full, even though it was not due, the $150 plus all the late fees the bank had leveraged, the balance of what was on the secured credit card account.  So their next decision was to close the account, to cancel it and to refund the balance due to my son because he had secured it for $1000 which the bank held in escrow. 

My son was completely unaware until later that this decision has made it very difficult to rebuild his credit score which was at 720 when he was approved for the loan.  He no longer has his own seasoned  card and he has been advised to wait before getting another secured credit card.  

Parallel to all this has been the shock of so many people that this is what the bank did.  But we have had bizarre things like this happen before and have found out much later that there is a back story of which we have not been aware and so were are operating in the dark.  It was several weeks later that I recalled a meeting I had with the president of this bank in the spring of 2018 about saving the Victorian from being torn down by a local contractor who wanted to build acts in its place.  He said, "We would rather you take your idea and buy such and such a property.  It is closer to the university.  Also we feel that the best use for the corner on which the Victorian is located is to tear down the Victorian and build an apartment complex."  And he told me that the bank would help us buy the property he had identified as a great place for the ideas that my son had.  

No one else has bought the house.  There are a couple of investors who want to work with my son so that he does get the house.  So he is putting together plans for fundraising and for gathering signatures from people who want to save this beautiful home and who love the idea of it being a place that people from the community can drop in for conversation and tea---people from all walks of life, with varying skin colors, varying cultures and varying points of view.    

I am posting this without editing my final post.  So please excuse misspelled words, sometimes the work of auto-correct.  I think of all of you often and pray for you and send you good wishes. 
 






  



 



 

So sorry to hear of the issues.  I hope they can be resolved and he can get the house.

I am so happy to see and to read that you will be posting more.  We have missed you.

Well, just had to pop in this morning......hope all of you are doing well.  Hugs....