MoNDaY'S aNNoYaNCES! 

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Okay, so my loyal toshiba was starting to get old and I figured it was time for a new computer.  So, I found a new toshiba at Circuit City for $899.  I brought it home and things were  going well, then Internet explorer locked up within the first hour I had the computer on.  I figured it was just a fluke so I restarted the computer.  And it did it again, just a couple minutes after I launched internet explorer.  And then it gave me a blue screen of death.  In the next 4 days I had about 10 blue screens of death.  This was worse than my old toshiba.  I'm sure there is probably some way to fix it, but I didn't want to already have problems with this computer, so I decided to take it back.  I get back to circuit city and go to return it and they tell me they charge a "restocking fee" and keep $134 dollars. WTF!  This computer doesn't function correctly, its not like I changed my mind.  They tell me I can pick out another laptop and exchange it.  But, they don't have anymore laptops I want.  So, I get screwed out of 134 dollars. 

I hate you circuit city!!!

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Hey Todd. I've got a real issue with Bank of America. I had an equity line of credit on my home in the amount of $40,000. My husband and I gutted the place and replaced just about everything after we bought it so the line was pretty close to being gone. Well, we are both in outside sales - I am a Real Estate agent in Florida so over the last year our income has changed dramatically. Being in a 100% commissions based job can be scary when you're counting on two incomes. Fortunately, even though my husband is in outside sales he does have a meager salary in addition to his bonus checks, and the company he works for is a great company. We have a nice chunk of change in his 401K, and after having an emergency family meeting about the amount of our current monthly income versus our current monthly spending, we decided we needed to find a way to have some "back up" cash flow in the event the rest of this year continues at the pace we are running currently.

We took a loan out on the 401K to pay off the equity line (it is a pretty good deal, they give you a great interest rate - you pay it back over time and no harm done). This way, our monthly payments went down to the tune of over $500 and on top of it we had access to $40,000 in the event we had an emergency or something. Well, wouldn't you know that two days after we pay the line in full I get a letter from Bank of America stating they have revoked my equity line due to the falling value of homes in Florida. Can you believe that crap? I didn't take money out of our 401K to pay off those jerks so they could take my money and run. That was emergency money!!! I had to call everyone under the sun over the course of several weeks before someone actually helped me, and in the end they refunded us our $40,000. I put it in a money market with Wachovia. So basically, now I still owe the money on the equity line.  Which is just fine with me but makes NO SENSE WHATSOEVER!!! They could have had the line paid off, therefore I would owe LESS on the falling value of my home, but NO - they refund me the money and now I owe $40,000 more. I'll tell you...what a bunch of tools. If I didn't' have a 5.75 interest rate on my 30 year fixed with them I would pull every dime away from them for good. Unfortunately, I don't want to pay closing costs again so I am stuck. Bank of America is ran by a bunch of communists!!!

 
Thanks for letting me vent.  No worries...all will work out in the end.  Lots of luv, sunshine, and good vibes sent from me and the dogs in the Sunshine state to you and Roscoe. 
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