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Bank Of America Can Just Kiss My Ass!

House Hag As far as I'm concerned, Bank of America can just kiss my ass! Listen to this letter I got from them yesterday.

Dear (House Hag),

At Bank Of America, we are committed to providing you with clear, timely information you can use to make decisions about your credit card account (please bend over so we can shove another rate hike up your old kazoo)

Please read this information carefully. (you might also want to keep your heart medication nearby because we can feel a spontaneous aneurism or stroke gurgling up through the old pipes as we speak)

The following changes serve as Amendments to your Credit Card Agreement. (and in this case, please understand that the "Agreement" is unilateral and has nothing to do with what YOU want)) To help make them as clear as possible, we have included a summary ("What Is Happening") directly above each Amendment. (Kind of like what your proctologist does while he's snapping on his rubber gloves and discussing the "procedures" he's about to perform)

Annual Percentage Rate: We are raising Annual Percentage Rate(s) on your account. (If you don't like it, tough shit) You have the right to reject this increase. Instructions on how you can reject this increase and pay off your balance at the old rate are included in the enclosed Amendment. (Pay up or shut up. We don't give a rat's ass how long you've been a customer of ours or how high your credit score is)
Transaction Fee: We are adding or increasing certain transaction fees associated with your account.(Hold still now, honey...this'll only hurt for a minute.)
Foreign Transaction Fee: The definition of what constitutes a "Foreign Transaction" is being expanded (to include every monetary transaction imaginable on planet earth)

We are also changing the following benefits and/or rewards associated with your account (please see the enclosed disclosures for complete details:

WorldPoints Rewards: We are modifying one or more of the redemption options. (Your WorldPoint Rewards for spending $18,000 on your credit card will now be worth LESS than the prize your kids get in their cereal boxes, as opposed to THE SAME AS)

Bla, bla, bla.

PS - And please be advised that Bank Of America is currently 6-8 weeks behind on responding to short sale requests from real estate agents like yourself. If you have not already done so, please re-fax the completed short sale package to 866-599-6666, even if you have already sent it 14 times to 8 or more fax numbers and/or mail drops. We will contact you when we get good and god damned ready. DO NOT attempt to contact our loan mitigation department directly. Don't call us, we'll call you.

THIS ARTICLE WAS WRITTEN BY THE HOUSE HAG - UNCENSORED & IN THE RAW!

Posted by Laraine Shape - Broker on 04/07/2009 08:43 PM

Comments (209)

the house hag, laraine shape, bank of america

Post is included in group: Realtors®
Post is included in group: 'JACKED!!!!!
Post is included in group: Crap
Post is included in group: Club Chaos
Post is included in group: AR Comedy Club

209 Comments on Bank Of America Can Just Kiss My Ass!

APR

Gee Laraine, how do you really feel? Credit card companies are loan sharks, a necessary evil unfortunately.

I wouldn't hold your breather waiting on that return phone call. I am glad other people like you are out there who aren't afraid to speak their mind, AND THE TRUTH! You go girl (haha).

Laraine, you go girl. I hate to see you when you're really pissed off. Try and have a great day.

I love how they are able to alter the terms of the cardholder agreement any time they want to. I need to find whatever clause allows them to make changes in their favor anytime they want and start putting it into all of my contracts too. I would love to be able to send a letter, "Dear homeowner, due to unforseen circumstances with my daughters dental work, in addition to my desire for a new BMW, your commission due and payable on the sale of your home will be adjusted to 9% of the selling price. We apologise for this inconvenience but value you as a customer. Thankyou once again for your continued support."

John - Grrrrrr! Hate 'em!

David - And they don't even try to excuse themselves (no matter which lender it is). It's just "the way it is."

Kevin - Sorry - it's the house hag in me. :-)

Robert - YESSSSS!

This is GREAT! Snidely Whiplash

Telling it like it IS . . , and we're all scratching our butts thinking "DANG, I wish I would have written that!" 'cause we ALL want to say it!! BofA can kiss my arse!!

New Band of America tagline: We OWN you!

And why is it, that the people who truly need to have the lower interest rates are the ones that get dinged over and over again!?

LOL Laraine. Thanks very much for making me laugh today. I really needed it. :)
I can see you're really pissed, and I guess I can't blame you.

If only they changed their behaviour, as far as how quickly they look at offers and get back to you.
Now that would be something to write about.

So Laraine, tell us how you really feel? :-)

That's right, house hags unite! They don't know who they are messing with! I hope you feel better now that you got that off your chest. I feel better for having had that laugh!

Lol Laraine I am glad you tell it how it is and in such a humorous way as well. But yeah credit card companies are crooks.

Carla - Bad man. Berry, berry bad.

Sylvie - We won't hold our breath, will we? :-)

Gabe - Do you have a good set of ear plugs?

Sharon - Aaahhhh. I feel much better. Thanks

Jackie - Yes! And there's not a damned thing we can do about it.

Unfortunately the only way this will end is when we become less dependant on credit and put them out of business. But then they will just demand a bailout from Washington to which taxpayers will pay again.

I feel the same way with CITI FINACIAL. I can't understand why the reates go up as our return our investments like interest on saving and CD's goes down.

Tad - Exactly!

William - Because that's the way they like it, silly! :-)

Now that's a strong feeling... I can relate... Note fun dealing with banks and card card companies these days...

Awww, just give em hell right back! And the banks wonder why the public hates their guts.

Caron - Not fun at all

Lyn - Oh and did I mention their "customer friendly" telephone answering systems?

Well! this is something! Thanks for the great post and the info! We appreciate your input and "emotion"! Yep ... it's nice to find a fellow "person"! We love to be on the o with them and have the "voice" automated system get jammed up and stutter for answers!

When Bank of America purchased a local bank here around 10 years ago, I refinanced two home loans that total over $500,000 due to their poor service....I see they are keeping up with their low customer service standards.....and don't even start me on how long it took me to get my balances from my escrow accounts.....

I was so incensed when Amex did that to me that I canceled the card. It was my favorite, but this action on their part to a cardholder that had never missed a payment was so disgusting that there was no other option. You described the reaction to this garbage perfectly- thank you!

Laraine,

If I didn't know any better I would think that you are a woman trying to MAKE A POINT!

I was laughing the entire way through it...hope you feel so much better!

Hi Laraine. Beautifully done. Thanks for a really great post.

I guess the bright spot is that we have had surveys for a long time that indicating the real estate agents are not in one of the "most trusted" occupations. At least we know that we are miles above bankers on that list now!

I received the same letter and then I increased my monthly payment to get rid of them sooner!

Laraine - I have never been a fan of Bank Of America since my days in California. As a young rockstar full of hope and flush with cash, I deposited my money into an account. No offers of good accounts, just a plain Jane savings and checking. The fees piled up quicker than receipts on tax day. One day, September 11th to be exact (yes, that one), I had an appointment with a different bank (Union Bank of California) if you're interested. I opened up several accounts (business and personal) all with extra features and services (I never once went to a teller to do transactions at that bank - I was treated very well) because of the amount of money we were talking about and walked across the street, withdrew every dime and never looked back. I will never be a fan of Bank Of America.

Forgetting the bad news for a moment...

First line, House Hag

Last line, uncensored & In The Raw!

Everything in between is bad news. I've heard enough bad news in the past 6 months to last....through my next lifetime...so I'll just stick to the first and last line. I'm not sure I can stand the excitement.

BOHICA baby! stands for Bend Over Hear It Comes Again.

I had a simular problem but i got a little OCD kept going up the ladder until i had the guy over the bosses. Called every 30 min and got a call back finally. I think he figured he might as well help me cuz I was not going away. It works.............

Laraine, so, I am not feeling the love here, rofl. I have to agree, BOA sucks. I use a very small, independently owned local bank. And guess what, the don't have one, not one foreclosure on their books. And they don't sell their loans. But, banks being what they are they do have their quirks too.

The solution is, we need to be less dependent on credit cards for sure. I am NOT bending over for any bank though. I would rather go without.

I just had the insurance on my condo cancelled (it is rented). I have had the insurance for over 20 years; no claims1 REASON Because we can! So much for loyalty! This would be funny if it wasn't so true!

What can you do, but go to another bank? That's what I would do. I hate bureaucracy bs.

OH I so feel your pain... same story different company -- countywide.

Laraine, ROTFL...I feel guilty laughing. I'm laughing with you! Credit cards are a rip off, period. Now with the credit crunch, they are going after all of us. We pay ours off each and every month ensuring the rip off artists don't make a darn dime off of us. I agree that BOA stinks!

Just deal with another bank. Deal with a small local bank who wants your business.

I haven't received any letter like this, I guess I've missed out :) Sometimes though its best to have missed out. Sorry that things have been this way way for you. it makes it a dificult day to live angry. peace to you.

The credit card companies closed some cards of mine with no notice.

Glad to see others are just as angry as I am Laraine. I can't see how having the government take over some of these institutions can be any worse than what we are currently experiencing. The large banks are just as or more bureaucratic than any government agency I have every experienced. Keep up the good fight.

Say it like it is, I say.... And you did just that. :)

C'mon Laraine, Let 'er rip! Don't hold back. How do you really feel ?

Larraine- I'm so glad you translated that for us.Usually it comes in those forms with the size 4 point print that no one could possibly read without a microscope, and that's what they're counting on. We all just pitch it or file it.Next time I'm reading it too! Can we all agree to send it back to them, with things crossed out, etc.?

You didn't get a phone call along with it asking if you wanted to pay your monthly minimum too? A friend did. It wasn't the due date (2 weeks early) and she was never late paying + always paid more than minimum. Obivously she has livid. ~Rita

Aha Laraine, you sound really pissed off. Joan is right; it would be funny if it wasn't so TRUE! yikees!

Laraine, I'm waiting on my letter. A friend received a letter yesterday and they raised his rates by 10% even though he was never late on a payment. Well today he got another card from a credit union and transferred the balance. They don't care though. They know most people will not even read the letter.

How funny and how true! I've got a short sale listing and the client's loan is with Wells Fargo. Been on the market for 3 weeks with 1 showing. So I want to drop the price. Asked my client to talk to Wells about this.

They responded, "you may drop the price if you wish. We will not do anything to determine the value until we have a firm offer. If we determine the offer is less than the value, we will ask for a better offer or ASK FOR A CONCESSION ON THE COMMISSION!!!!"

Did I really just hear that right? Yes I did....and why I rarely show short sale listings to clients. I ask them up front when they sign my brokerage agreement, "Are you willing to pay the difference when the bank "screws me" for working so hard? Most say no. If they insist I work for whatever the bank is paying, I kindly escort them to the door!

This business is hard enough right now without working for a "guessing game" paycheck at the end! Sorry, I got bills to pay too!

i had a credit card company do that to me last year... never late, always paid more than the minimum due, and still they increased my rate from 7.9% to 30%.... how ridiculous is that!!!! i quit paying them at all out of rebellion... yes.. that will hurt my credit, but it is the principle of it... if they can screw me like that, then i will screw them by not paying another dime!!! this was a company called ADVANTA... stay away from them!!!!

Wow! I loved this. It's something everyone says in private but it's great seeing it on a blog :)

Laraine, I just HAD to read your bio. Your post was SO funny and I love the name of your blog. Hilarious. I was thrilled to see Ralph. Have I got a woman for him! She is one hot sassy number, spoiled ROTTEN and the name "bitch" came from her, trust me. She is 7, thinks she is "all that and more", is good for nothing but snoring and snuggling.

She would like to meet Ralph. I see a happy future for them! Here name is Lily. She is my Mom's dog. I hope Ralph makes a ton of money. Lily is expensive and has high standards. Her collar is lavender with pearls and she has her own wardrobe, from rain coats, designer sweaters and Halloween costumes, to dresses.

Lily loves to go for car rides and strolls in the park. Turn ons: table food and blowing spit on my car windows. Turn offs: following the rules. Perfect man: Anyone that will put up with her crap

Lily was dating my Golden Retriever Gus, but he got tired of her nasty ways. She is rude, self centered and hateful, most of the time, to the men she is involved with. He finally grew a back bone and "kicked her to the curb". So, Miss Sassy is back on the market.

Disclaimer: Just in CASE my Mother were to read this, I DO love your spoiled rotten dog that is hogging my side of the chair as I write this. (I really do).

So Ralph, think you're man enough to handle her?

Banking's Golden Rule - We have the gold so we'll make the rules!

Oh....... short sales and loan workouts with BOA are a sore subject with me. I ended up contacting The Commissioner of Banks as well as The Attorney Generals Office in our state then, only then I received a workout person with a direct phone number.....this has been ongoing since 2/08. I Feel your frustration ughhhh.

Wow, the title of this post really caught my eye!!! This is hilarious! I'm subscribing to your blog right now!!!!!

Great post....I am sorry you are dealing with this....what a load! My husband has been warning me of this lately. These companies aren't making any money off of those of us that actually bust our butts to make our payments on time. It's sad when a company would rather have bad clients than good. We just had a Bank Of America close nearby....maybe they'll all go under and we can start fresh!

Hate it. Dump the card on another bank that has service. I did it with Citi. They don't get my money anymore

Loved your post! My sister in Florida got this same letter on Friday she called me she was so upset. We moved her acct to a small bank that was in her town that is locally owned. She had been with BOA for over 27 years same credit card no bad credit and she got the same letter. She was incensed and took her balance and transferred. I have always hated dealing with BOA on any real estate deals since they take the position of not talking to the Realtors only the clients...Need I say more.

Laraine - I was just wondering if you are realted to Maxine? No holding back, huh! ...Well, if it makes you feel better, I am a BOA customer and they screwed me over too.

Laraine - I don't understand why you censored yourself so much in this post. Just tell it like it is - no holding back next time!

Oh my... Welcome to Bank Of America where we got Bail Out Money and YOU have to pay us more so we can continue to buy other banks. When we are done, nobody will have any money left as we will have it all....

I have learned to hate them as well.

There is a reason I love my Credit Union. Even though they aren't my primary financial institution anymore, they are always good to me.

Laraine-I could feel anger from here. With interest rates being at such low rates, its too bad that they are trying to regain their profitability almost exclusively from revolving credit. You do know how to turn a phrase. You have style.

I have not used a credit card in over a year now. I have one just in case of an emergency, but I don't use it. I got tired of all of the "Stuff" you are talking about. I would like to see every American payoff their cards ( this is probably never going to happen ) and not be dependent on anyone for credit ~ they would sing a different tune then.

As for the short sales, I think they want to get into the real estate business. You write an interesting post.

Laraine - ha ha, you really made me laugh. But it is so true. I had a letter like that but not even sure who it was from. The credit card companies are out to make it as misrable as they can for creditors, including cutting their limits, raising their interest rates, even if they are paying more than a minimum on time every month, and all the while continuing to implore people to take out yet another credit cared. Is there no one watching what is going on and the impact this is having on folks who are already having problems? Seems to me the credit card companies are doing just fine financially - is it any wonder?

Jeff

Don't hold back! Let it all out! All banks are awful, now. Life-long customer with great credit? That's wonderful! We know you'll pay your bills, so you're going to be charging you 14% now so we can try to pay for all the stupid things we've done in the past.

And where do you get your great clip-art?

It is amazing that we just bailed these ___Holes out? Try to have a great day despite BofA!

Take care & Fly High In 2009!

LOL......tell it like it is..........HOWEVER you can still contest this rate increase.......These are the stories that the newscasts like to hear .........Many of the credit card companies have started doing this..........That is because the law is about to change in favor of the consumer so they are sticking it while they can...

Laraine-very true and very sad, but I gotta tell you girl, the way you tell it, I nearly wet my panties.

Hi Laraine; At least you made me smile! Yes, they are pretty darn *(@#( !!! I'd almost rather have a tooth pulled than do a short sale!

I need to share this one with my husband. He thinks I am the only one who gets frustrated and I don't mind speaking my mind when I do. And I know I feel better when I do so I hope you feel better too.

I liked that writing. Good job of telling a good story and keeping it funny, at least for the rest of us.

I was thinking it...thanks for saying it (or writing it!) GRRRRRRRRRRRRRRR!!!! Great post!

When I am done laughing I will come back and comment

These issues might have something to do with location. Florida is a high foreclosure state whereas in Oklahoma, they are not a problem and I have yet to get a letter like that from any of my CC companies including BofA. The only decrease of any kind was thru Dell Business Finance and originally I had a 10K limit and it was reduced to 6K. Honestly, how could anyone spend that kind of money on PC's or printers? They could chop it down to $1000.00 and it would not bother me one bit.

Now, here's the cold hard truth. Credit cards are evil and should be paid off monthly and I have been there done that and now have -0- in credit card debt so it can be done. While I don't really follow Dave Ramsey, I know what he preaches and it's all good things to know. Susie Orman I just cannot stand but Dave seems to be a little more with it.

Truthfully, the day will come when they will need us and we won't need them so payback will be a BI***.

Laraine - Please don't forget the other wording ...

You may opt out of this rate increase, but if you choose to use your card AFTER opting out we will raise your interest rate to the default rate of XX.X%

We have a BOA card with a rate of 6.4%. But if we USE that card it will default to 29.9%. So ... now we have a $25,000 credit limit but can't/won't use the card. We have NEVER been late, have paid the card off 3 times in the last 5 years, and always make more than the min payment when we carry a balance. We have used the card as our funding source for rehabbing our rentals and making repairs.

I absolutely detest BOA. I would rather chew on barbed wire than talk to them. And you can bet that as soon as I can get that card paid off ... it's going in the shredder.

Laraine - Wow!!!!!!

Cheers

Eventually BOA and all of the other banks will get just what they have always wanted, all balances paid off.

What are they going to do when everyone is so pissed that they close their accounts? They are just not thinking ahead. How do you wrong the people who are keeping you in business by keeping their credit good and using their products responsibly.

I have gave up on large banks about 6 months ago. Credit Unions all the way for me. I can't believe the difference in service I am recieving from them. They actually treat you like a person in the smaller institutions.

I say we all revolt! We can cripple them if we all just "Say No" to their products and their wicked ways.

...and if they only knew that you were pulling your punches!! lol~

You go get them girl. Bank of America is even hard to deal with clients who are struggling with their debt and trying to get out through debt management. Another major culprit is Citibank. They tried hiking up my interest rate and charged me twice as much claiming I missed a payment. I never did, and my payment went from 120 to 640 for one month. I told them to keep the card, I'm no longer interested and they said they will bring my rate back down to 12%. Oh btw they hiked it up to 24%... they reduced my payment to 410 because I was also apparantly over my limit...? Turns out it was a huge mistake but the rep told me to pay the 410 and I will be credited back... I'm still waiting for my credit...

Good post!

With a headline like that I just had to read the post. I'm still not real clear on how you feel about BoA. Next time try to be a little clearer for us. :)

Go ahead, tell us how you really feel! LOL....Loved the post, and your total honesty!

To the House Hag-

I love the graphic of the lady at her desk! Made me laugh. Unfortunately there is more truth than fiction regarding our dealings with banks these days. Very difficult, to say the least.

Shari Roberts-Osojnak * REAL ESTATE ONE * Chelsea, Dexter, Scio & Ann Arbor, MI

LOL!! I love your interpretation of their letter. :-D

APR

Let it loose girl you need to. I hope you feel a whole lot better after getting that out. I had similar bad short sale experience with IndyMac Bank I sent it out about 20 times it seems like and they never got it and eventually foreclosed on the house.

Welcome to the Universal Default Clause... in almost every credit card jargon that is too small to read and in good times no one noticed. It basically gives the bank or insititution to do what they want when they want until you owe them no money. They can even raise the rate on their card if you have a problem with another card. Good blog!!

Laraine- I love the letter interpretation! In times of recession the creditors get very tight with their credit and raise the interest rates. I just received notices of reduced credit limits. I guess that is because I don't use the credit cards except for online purchases, then pay my card right off from my bank account. The best thing to do is to tear up the credit cards. This is a blessing in disguise as credit is very tempting to use.

On the other hand, the part about their short sale procedures must be right out of the BofA own play book and their countrywide is even worse. Katerina

I like your interpretation! It sounds like they really needed the bailout money to send more of those informative letters.

Laraine - BOA has a long history of self-serving policies and procedures to live down to. In my experience they have always strived to take everything they could get while providing no service all without paying anything.

Last year Congress passed a legislation that will make this kind of stuff illegal for lenders to do - problem is they gave the banks 18 months to implement it. I see this stuff every day in my line of work. In any other industry this would be called entrapment - but because the banks own Congress lock stock and barrel, this kind of stuff is legal in the banking industry. The worst part is that the customer service department is rude to you on top of it.

thanks for the sincerity.

Bank of American can kiss my ass too.

Laraine! Glad to know how you really feel. We feel the same way. Every company that has any kind of problem with their management is passing their problems right down to you know who!

You Know Who

It's not just the credit card rates that they are raising! I've had a checking account with B of A for 12 years, and they recently started charging me a monthly service fee. When I stopped in to find out why, The answer was, It's always been that way. Well, no it hasn't, because I have never paid a monthly service fee!? Every other bank in my town offers free checking to me as a new customer, why can't my bank that I have been loyal to for 12 years? Lets just say, I will be moving all my accounts to a different bank as soon as I have time...it is a real pain in the butt, but worth it.

Love this post!

In the Raw is right girl.LOL I had a wonderful time reading this, it was the first blog I clicked on this morning. That is hilarious. Partly because you wrote what I wanted too a few weeks ago. Except mine was Cap One.

Laraine, you had me at House Hag! Hahahahahahaha! Every word of your post is what I feel. I have 3 loans with BOA and I can't wait until I can get away from those thieves!!!

Your post made me laugh not because of what Bank of America is doing, but by the way you interpreted the letter.

It's nice to see people TELLING IT LIKE IT IS!

Laraine-hysterical but true! They had this on the news here in Florida last night about a person that received 3 letters (from different credit cards) in one day-I received 2 just last week! Sometimes it feels better when you know you're not alone...

Tell us how you really feel...we get it...unfortunately...not sure if you substituted another bank name that your blog would read differently...friendly and lender or credit card folks don't belong in the same sentence any more...blog on !

Laraine Every time I think I should edit myself a bit more severely, along come a delightfully hilarious post like yours...I think Brad's comments is also quite telling about you personally and that's good too! I guess I can quit tip toeing around in the future! I am still laughing! BTW some of my clients have referred to BOA as "Bend Over America"

Whoops! Thanks again, I thoroughly enjoyed reading this post!

Laraine,
This is wonderful written and you have put a smile on my face to start my day, thank you! Sadly, it is too true!

Laraine, what a way to start my day! My husband is going to love reading this. We just keep closing accounts there. One by one. It's the only way they'll learn.

One of my Credit card holders has been taken over by Bof A and I should get the new card this week. I need to get another one and not use this one. The one it replaces is the one I do all my online stuff with monthly billing. I will be busy cutting over all the accounts.

I paid off my Bank of Am credit card to zero, and also paid a bunch of other cards down at the same time. They responded by cutting my line in half. WTF?

It would be great if Bank of America (the name sounfs wrong) how about "Bank against America" anyway, unfortunately they are not the only bank that acts up like this.

Wow Laraine, That's pretty funny. :)

I dumped BOfA a long time ago. They ticked me off with one of my accounts that had about $200 in it. The Manager was an idiot and really rude so I said "Fine. Just cancel my accounts right now." She responded with an ok, how do you want your $200? real snotty like.

I said "No. Cancel all of my accounts. This one, my savings account and both credit cards. I don't want to do business with you."

Then walked next door to Chase and have been happy ever after. :) The look on her face was priceless.

They sure know how to treat a customer! Makes you want Countrywide back...I guess they are not gone.

Jim - Uh, uh, uh, uh, uh, uh, uh, I, I, I, I, I, I, I,I,I know what you mean.

Julie - Let me guess...longer than the check out line at a Florida Wal-Mart on two-for-one BlueBell ice cream day?

Laraine, my exact sentiments when I got my "letter" last week! Thanks for putting it so succinctly! BTW I didn't know we could use language like that on AR :-)

Laurie - Amex can kiss my ass, too.

Sheila - I do. Thanks for asking. :-)

Bob - Well, I know which "list" of mine they're on

Laraine,

I want you to really let us know how you feel about this. I sense you are holding back just a bit. Actually my wife and I probably got the same letter but have not read it yet.

Matt - Good for you! Please tell me you mooned them on your way across the street.

Gregory - Okay, hag it your way.

Michael - Ha! I think I heard snapping of rubber gloves, too.

Ginger - Love it.

Laraine, now that you got this off your chest, hope you feel better! I've been getting these notices from my card holders, I don't even bother reading the stuff anymore. The kicker was my bank increasing their fees and minimum balances while reducing their rates on interest bearing accounts. That's when I started shopping around!

Love the info. Hopefully more people will speak out about this it happens everyday.. http://www.mnlakeplace.com

Read those letters, in the past I didn't. Look at the interest rate, we had an increase in our Discover Card. We called an had a hissy fit as we are not late.

They reduced it back down or we were closing it.

Andrea - NO MORE BOA! NO MORE BOA! NO MORE BOA! (Bend Over America)

Joan - Ugh

Linda - Remember that movie where they all stood up and said "I'm mad as hell and I'm not going to take it anymore?" I wish things like that would happen in real life.

Eric - Go wash your mouth out with soap, right this minute!

Hi Laraine, very funny and very true. Please add my ass to the list.

Elizabeth - Never feel guilty for laughing! :-)

Tim - It's either that or back to burying jars out in the back yard. I've had enough!

Judi - Stop being so nice at me!

Joe - Those dirt bags!

Jerry - I think the bankers all used to work for the government, didn't they? Aren't they all IRS refugess?

Uh oh - What's his name is gonna bust me for misspelling "refugees" in the comment above.

Your blog was the first I opened today. It made me laugh and I am not going any further until later. I want to leave this morning with a laugh. Sorry to say it is a laugh with you not against you.

Amazing what they can get away with isn't it?

They need more regulation along with the airlines.

Yesterday heard of an airlines, USAir that cancelled a flight where someone had traded in frequent flyer points and then they changed them $50 to redeposit the points!

Sounds like they are related.

I believe I got the same letter - but Yours was so much more fun to read! Credit card companies suck!

Kat - Might as well, right?

Bill - Ha! Any idea how many times I've heard that in my life?

Linda - Good idea

Kenna - I WISH I would have gotten that phone call. It would have made my day.

Karen - Pissed off? Whatever would make you think that?

Ron - And we haven't even touched on the amount of OUR MONEY they're spending to print and mail these friggin' notices!!!

Laraine - WOW! What a great way to start my Active Rain day! First blog read of the day and I. LOVED. IT! Bravo! I so hope every BOA somehow gets a copy of this in their inbox today. Thanks!

Thom and Ray - I love your idea!!! ("Are you willing to pay the difference when the bank "screws me" for working so hard?) And as far as I'm concerned, WellsFartgo can kiss my ass, too!

Sheila - Well, sometimes I guess you gotta do what you gotta do.

Christine - You ain't seen nuthin' yet.

Elizabeth - You do know that Ralph drinks out of the toilet, don't you?

Very funny, but true Laraine. I love your added content. Perhaps you should let BofA know of this blog entry and the respones you are getting. :)

Rick - And they don't even have THAT any more (the gold, that is)

Tiffany - How much do you want for that phone number?

Sonia - Come on in and have a seat!

Tina - Yay!

You can always not have credit.

I agree with the very first post. A necessary evil and if you don't need it, then good for you!

My favorite move is (e.g.) $5,000 credit line - $1,500 balance = $3,500 credit available.. letter arrives stating your new credit line is for $1,500 and you are now maxed out... Oops!

Best Regards,

Sean

What a great blog! It made me laugh out loud. Nothing better than putting some humor in that sad reality.:)

You go girl! Ha ha..

Patricia Aulson Portsmouth NH Real Estate

Claude - Another bank that has service? Right now that's like trying to find a short sale negotiator that answers the phone and sincerely wants to help you.

Jacque - Good for her! I'm planning to do the same just as soon as I a few ducks in a row. Been wanting to do it for a long time.

Carol - No, but I think the House Hag might be. :-)

Laraine, thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you

Jason - Well, I wouldn't want people to think I'm "unseemly" or that I have a potty mouth. :-)

Yup, that seems to pretty much sum it all up!

Thanks for venting. There will come a point where the bailouts will stop, the Feds will stop intervening, and customer service issues like this will cause them to fail...They just don't get it, or care to get it that they are dealing with people, not numbers

I am really sorry.....BUT I am wondering WHY this post was featured????!!!!????

I would think that a post that was written more professionally would be worthy of this honor......

A post laced with all the profanity this one has is does NOT merit a feature in my opinion.....

Of course your response MIGHT be....."Shove It...."......

That is ok...... consumers will see this and respond appropriately...... I recommend this post be made "Members Only" because of the profanity in it.... otherwise, the "Fresh Squeezed Real Estate Poop" you serve up might not look so good to those who are used to fresh squeezed lemonade.....

I am amazed that no-one stood strongly for this point of view in all of the previous 124 posts.....

I DID see some tounge in cheek responses....BUT....really...why show consumers this side of you??? How many posts have stated this point in ActiveRain.........?

Whom ever featured this post REALLY needs to re-think their standards.......... AND the AR leadership I think needs to back up and take a look at this post again and what image this reflects on the company as a whole.....

Otherwise I CAN see your frustration clearly in the post and I symapthise........ BUT the profanity, along with NOT being "Members Only" is just a bad move, in my opinion.....

(I MIGHT get grilled for my point of view, but that is ok...... I get that from time to time....)

(I am parked to see responses to my comment....... does anyone else agree with me here?)

=-)

Short sales can definitely be frustrating. These banks failing are getting exactly what they deserve for their customer "no service" . I just hate to see the little guy being taken down in the wake of it.

I love to hear a good venting session! LOL

Alexander - Thanks for stopping by to express your opinion about my "profanity." I've reported myself to the Principal's office.

That is hysterical! and soooo true!

I heard some of the agents around our office talking about how BOA is looking at the regions and how many foreclosures are in that region then dropping the credit card limit of cardholders in that area because they are in a high risk zone. Puleez.

I remember when my sister was trying to do a short sale with Option One...OMG! I swear she faxed those docs a hundred times if she faxed them once. Ocwen is the same way. Banks have NO business in real estate whatsoever. They are just a bunch of number crunchers and paper pushers. They don't know the laws nor do they care.

Lorraine, it sounds like you do a great job of "releasing" resentment, frustration and being down right mad. Good luck with a tough situation.

I couldn't disagree more with some of the folks commenting that this post was perhaps inappropriate. What Laraine so honestly and candidly reveals to both Members and Public is the simple reality that Realtors, Brokers, and Agents are flesh-and-blood people, too.

We are not real estate robots spouting out market stats like HAL from 2001: A Space Odyssey. We are people who feel the same frustration and anger during crappy economic times as the butcher, baker and candlestick maker. We are not apart...like mythic gods on Mount Olympus.

One of the reasons I selected the doctor that I have been with for years is her humor. She is skilled beyond belief and she is able to make me laugh when I need a medical procedure that scares the you-know-what out of me. She's real and that realness makes for a fantastic physician.

Our clients need to know that we "feel their pain" in a very real sense. If that requires that we crack the mask of uber-professionalism a tad...so be it. As the great Mae West once said, "It ain't no sin if you crack a few laws now and then, just so long as you don't break any." Laraine...thanks for the crack!

I shall now get off my soapbox and get back to completing that CMA.

I actually wrote a credit card company, who did this to me a year or so ago, the requisite letter saying I OPT OUT OF YOUR RATE INCREASE. FEEL FREE TO DROP ME ON YOUR SUGGESTED DATE. They did NOT drop me and did NOT increase my rate. Only problem is they just keep putting me on notice hoping I'll miss one. It was fun for awhile but now I'm bored. My solution is, as ever, just don't carry a balance! That'll show 'em!

Great Article. I just can't believe more people are not outraged by what our government and corporate America created. Their too big to fail . In my mind I am too big to fail. Where is the outrage?

Sure, I have a comment for Alexander Harb- but I would hate to "offend" him! C'mon, man! Where's your sense of humor? Do we ALL have to be robots of the current political correctness and be SO serious?!? Bottom line-- Laraine hit the nail on the head and wasn't afraid to speak her mind. I personally wasn't offended AT ALL by her blog and found it refreshingly hilarious.

Laraine: Done in a very funny way ... but points out the terrible abuses that these credit card companies are doling out each and every day. Keep saying it like it is!! Thanks!

Gene Mundt, Professional Mortgage Banker www.genemundt.com Chicago Bancorp

Yet another reason why last year I cut my BofA card and canceled the account.

Hey...I have to tell you...that this is the first post that EVER made me laugh outloud....well done..you are a woman after my own heart...I am totally diggin' the name of your blog...

Yahoo - good for you Laraine - I like it !!!

Thanks, While I do understand your problem, this is just a mental note to NOT use you as an agent.

Roland - You got it.

Lane - Good? Now there's a concept.

Wayne - Thanks!

Sandy - Unfortunately, they're already IN the real estate business.

Jeff - Yep. They definitely need babysitters. Big, mean ones. :-)

Roger - Okay, I'll try harder next time to say what I mean. How am I doing on my spelling? (Just kidding!) I get me clip art at dreamstime.com

Dear Commenter #145. Sorry, I didn't catch your name.

It's not just Bank Of America that's doing this.

I stay with BOA because everytime I have attempted to switch I am treated worse. I had another card company, Advanta,raise the rate on a never overdue, never over limit business credit card to 36%. Needless to say that card went to the shredder.

BOA will still give me mortgages with little aggrevation which is more than my local bank or another national bank did.

They are still a bank, though....

I got the same letter, put it in file 13-- cw

Dear All - Okay, please forgive me if I don't respond to all of your comments. If I don't get back to work here I'm not going to be able to pay off my BOA credit card! :-)

Love the post. My business mastercard raised my rate from 9ish to 36% because we missed a payment. We had the money---it was an oversight. I know, I know, our own fault but c'mon. I tried to get them to change it and they wouldnt so I stopped paying. Thats a dangerous game for your credit score. They started calling and I told them to shove it. I would never pay it, its a non secured debt and they could send it to collection. I didnt care about my score. This went back and forth for about two months. They just called an gave me 4.9%! Im still shocked.

Everyone knows they are starting to hurt. You have financial talk show hosts telling people not to pay the cards.

Dont worry about BofA. Wells Fargo will probably end up owning them. It already owns the whole country mortgage-wise.

Laraine - WOO-HOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Hi Laraine,

I can feel your frustation. Personally I think the credit card companies are screwing themselves. The credit card revolt is now in process as we write. So many people have just stopped paying their bills. Which is not right but I absolutely cannot blame them. The credit industry has been one sided far too long. I vowed to NEVER use a credit card again. So far I have stuck to it. I give the credit card industry about two years and they will be BEGGING for our business back.

I often think back to when my husband and I first got married, we were lucky if we had two nickels to rub together. But we were so happy. We didn't have anything so we didn't have anything to worry about. We worked so hard to achieve all the great "stuff" we have now only to find out we were so much more happy when we had nothing. Go figure...

Laraine ....wow....

I have not gotten a letter like that from my credit card company. A friend of mine who owns a successful and cash fluid trucking company and they cut their line of credit by more then 50% and due to that they had to cut back on drivers......

Bettina

Laraine, tell us how you really feel!!!!! too good...

Wow, look at all these responses! Looks like a lot of people can relate to what you went through. It appears it is not only the public that is hurting during these tough times.

Careful! The Copy Police are Watching! :-) Thanks for the link.

There ought to be a law! It is frustrating that they have so much control!

Laraine, Seems like we're totally helpless against these people anymore. Thanks for the chuckle.

I for one like in the raw and real. Glad to see someone getting upset and saying so with the way we the people are being treated. You go girl!!!

i got the same letter from them too, little after they cut my credit limit down. i thought of calling them but like you said, didn't see the point in doing so..

i guess i need to hurry up and pay them off and be done with them..

I was laughing so hard I think my coffee came out my nose! Girl, or should I say House Hag, you NAILED it!

What they can't seem to get is that everyone is going to just STOP using their accounts, and the short sale homes will sit....and sit....and sit.... uh-oh I feel another bail-out coming!

I couldn't add more to that if I wanted to. Just wanted to say I love your writing style and your straight forwardness, very politically incorrect...you go girl!

P.S. Keep squeezing it out, ha, ha.

Very funny! BofA's spokesperson is Betty Riess. She just made a statement about BofA reaching out to help those in financial need. Her email by the way is: Betty.riess@bankofamerica.com if you'd like to give her a piece of your mind directly...I did!!

I don't have a problem with Bank of America, and I use the online banking. Fortunately it is my girlfriend who does short sales and not me, and I use my American Express because I like their point system. Most importantly I like your writing. Your paraphrasing is a hoot.

Great post, had to read it once I saw the title. You held nothing back and it was refresing to see someone express themselves the way you did.

Bravo on a great post!

Thank you for being a REAL person!!! Most people want to be politcally correct all the time and it drives me crazy. Its good to let your hair down sometimes.

The bigger they get the bolder they get. I am all for banking with my local bank so i can talk to a human if I want. B of A would never get my business. Love the graphic!!

It is really easy to hate the B of A -- they hire the young and never train them, our local branches are pittiful and rude. Oh well, what can we do except bitch and do business elsewhere.

Come on Lorraine, don't hold back your true feelings. Bitter much. LOL

Lorraine,

Finally someone cat say it like it is !!! Oh and is there any way we can send this to their CEO, management anyone has an idea? can we make it any more clear we are fed up with them?

I think your Poop is smokin' :)

TLW...ROAR!

I could not agree more. It is more than a shame when these companies are allowed to get away with this type of greed and unethical type of behaviors. Companies like this that have also recieved money from our government to bail them out, yet they do not want to help the American public out when they need it. BOA is one of many doing this. Citi and Chase are doing the same and several months ago after that got their hands in and out of the money jar they started sending out letters to the same effect. We also discovered that most of their jobs are seated overseas in India and other countries. That is when we decided to pay off our cards and boycott anyone that was sending our American jobs and money out of the USA. Can you imagine the impact it would have on these companies if more Americans were to pull their funds and pay those cards off or change them to true American banks? We were just talking about this at work this week as well. Many businesses allow you 5 to 10 days before late charges are applied, but these card companies charge the fee the day after the due date if not paid. They will tack on the overage fee just to make you go over in some cases, we found this to be true with Chase, and then they increase the interest everytime they want to. The GOVERNMENT needs to put a cap in the interest these companies can charge and the fees they can charge, but of course we all know that there are some in Congress who will not go for that as they are in some way tied to the big Card Companies!!

I really enjoyed reading your blog and look forward to more.

Niw there is venting...I hope you feel better now that you got this off your chest.....I like what Ann Hensel, commenter #99 said....the name sounds wrong it should be "Bank against America"

Hi Laraine - Someone beat me to it, but my first thought when I saw your post title was "Gee, Laraine, how do you REALLY feel"? ;-> We have a high limit credit card with Countrywide that was just closed due to the merger. Have had it since our first mortgage with Countrywide back in the early 90's. Our "reward" for almost 2 decades of loyalty is B of A? I think not...

Hi Laraine -- What a wicked sense of humor you have -- a must have given that letter for sure. As if that wasn't enough: Your tax dollars are bailing them out as well.

Okay everybody...I'm gonna start at the bottom and try to work my way up on comments. I never was one to follow rules.

Chris - Stay tuned!

Karen - Don't get me started on Countrywide.

Rebecca - My thoughts exactly

Kathy - Are there any "true American" banks left anymore? Thanks for stopping by.

TLW - Yes, you might say it's pretty crispy today. And to top it off, when I got home tonight there was a statement from BOA with a $17 monthly "service" charge for an account that is supposed to be free. I'll be making a trip in to see the weasels tomorrow. Aaaarrrgggghhhhh!

Elena - Well, given the chance, I probably could make it a little more clear....but I'm afraid I might be carted off to jail.

Donna - Cute dogs!

Robert - Ain't that the truth

Connie - I remember that! Small town banking. With humans. Who knew your name.

June - Thank you

Christopher - Ditto

Joe - Thanks. Sure hope the Amex point system is better than BOA's. If you want some funny reading - check out how many BOA WorldPoints you need in order to get a nickels worth of penny candy!

Thanks Patrick! I just may do that.

Tom - Thanks and stop in any time.

Connie - Ha! That happened to my cousin once...except in her case it was a mushroom (she was eating pizza).

Jane - You and me both, kiddo. I'm over them.

Kelly - And uncensored :-)

Marian - My pleasure

Team Newington - I'm afraid they're lawless

Brien - Yep. Looks like we stirred up a real hornets nest.

Brian - Should I???

Bettina - Can you imagine if WE did business like that?

Smith Housing Group - Wow. That is so true. I totally relate.

Alyce - :-)

Marvin - Those dirty dogs!

CW - I usually put mine there too. Don't know what possessed me to open it.

Robin - I know. That's the scary part.

LMAO...so, um venting a little today!

Sylvie - ____holes, indeed!

Terry - Nah....no one would do that, would they?

Tammy - Ha! Uh oh. Don't do that.

Eileen - I agree.

Teral - All husbands are like that, aren't they?

Steven - Thanks

Jeani - I have no idea what got into me...it just kind of exploded.

Stephen - Okay, we'll hold your place in line. :-)

Russell - Yes, I look forward to the payback days.

Carol - Pass the barbed wire, girl

Fredy - Thanks

Kim - Yes!

Brad - I love your cat! It's a skinny version of mine.

I think I love you.

Laraine, i really enjoyed your post! Did you expect this much of a reaction to it when you wrote it?

184 posts.......Looks like you have spoken the words that so many of us have wanted to say for a long time!!! LOL

Thank you for sharing you rant with us, as I think most of America has had enough, and feels exactly the way you do!

ARRRRRRRRRRRRRRRRRRRGGGGGGGGGGGGGGGGGGGGGGGGG!!!!!!!

Harrison Painter

Harrison Painter - Gladiator Real Estate Investments - Indianapolis For Sale

I'm going to confess here. I flagged this post this morning. I requested that whoever featured this post should be immediately removed from that postition.

More people will now look at this as a model to emulate. I hope not. I ask myself, would I want my mom to read this? Would I want my 12 year old daughter to read this?

I did go through some of your other posts. They seemed very well written. I read your profile and saw that you like rhubarb pie just as I do. I guess your house hag character is your outlet to let off some steam. You're probably not at all like the house hag but everytime I see your picture now I will get a vision of "fresh squeezed poop" and a nasty hag saying "kiss my ass". Maybe I'm weird, but that just isn't that attractive to me.

It seems like you got attention here but I still can't get that poopy ass vision out of my mind. Just my two cents for what it's worth.

APR

hahahaha, I love your post ! I got the same letter and I used some choice words, crumpled their letter, burnt it, called them the next day and told them to go.. "you know what "themselves because I was not going to pay them back a dime, abused them more when they started to give me a lecture on morality !!!!!!!!!!!!!!

J Phillip - Ha! You're sweet

Lara - No, I absolutely had no idea!

Harrison - No, thank YOU!

Tim - Thanks for your honesty. I guess that's what makes the world go around. Different viewpoints and different strokes.

Rama - You go girl!

Larraine, I haven't stopped laughing yet - can this gal write or what!!!! I hand it to you. I've also read recenlty that those who are able to express their anger approrpriately are more successful in business. I am reblogging

Janice - I'm so glad you got a laugh and thank you for the compliment. How nice of you to say that! Stay tuned for Sh*t Fly Friday tomorrow (the cartoon I've been promising). I think you'll get a kick out of it.

APR

What I so do not understand is.....why have you put a "*" where the "i" should be in your colorful word in your comment up above, Laraine??? You held nothing back in your post...why now in your comments?

Do ya think the public coming here and seeing your post AND your comments will not want to do business with a real estate agent with such language.... as evidenced in some of the anonamous comments already posted here....hmm? ;-)

Seriously, there are better ways of saying what was said in your post.... different words could have been chosen that convey the same frustration and anger..........and I do not think I am being "uber-professional" in saying that....

Even TLW did not use profanity in her comment to you Laraine..... and she is VERY colorful in her posts......

BTW...I did flag this post with my first comment....... and I e-mailed Bob Stewart also, so he would talk to the person who featured this post in the first place and kept it in "Public Mode" for the visiting public to see......

I hope you understand I am NOT being a prude about this...I am just guarding the AR memberships image to the reading public that we make our living from in helping them with real estate matters.

I hope you understand this is NOT personal in any way.... even though in your post you used the Lord Gods name in vain..... everyone is human...... we all make mistakes....

Dear Alexander - Thanks for stopping by again. Can I offer you a slice of pie?

Laraine - Anytime you write with humor, use colorful language and get featured, the conservative will speak.

Props to you for being you. I don't pass judgement on fellow bloggers. (try not to)

Great job in expressing yourself. Life is short, enjoy it.

Laraine - Anytime you write with humor, use colorful language and get featured, the conservative will speak.

Props to you for being you. I don't pass judgement on fellow bloggers. (try not to)

Great job in expressing yourself. Life is short, enjoy it.

Greg - You are a true gentleman. Thank you. Alyssa is one smart cookie for picking you to be her daddy!

And what type of "pie" are you thinking of serving me, Laraine??

Greg....as far as I know, this is the FIRST time a blog containing profanity has been featured AND BEEN KEPT PUBLIC...

From what I understand, all previous posts containing profanity have been members only, weather featured or not, to protect the valuable public image we all have in the real estate profession.

Is it conservative (or wrong) to want to protect that image?

APR

Alexander,

I agree with you being allowed to express your opinion to the AR staff and letting them know you are unhappy. AR guidelines do state however, not to ATTACK a fellow member on a blog, especially in their comment section. Furthermore, I find it unfortunate that judgment is being passed and religion is being used as a supporting force. This is a public blog Alexander. If Laraine wants to make public ridicule about anything that you think "stinks," than perhaps it would be wise for you to steer clear of the conversation all together. To associate yourself with something that you perceive to be in poor taste means you want to be a part of it. Your outcry & constant zingers are also reflecting on you as well.

I'm no saint when it comes to following the letter of great blogging, but I don't waste my time attempting to follow he crowd with my posts. And I don't care I enjoy what I blog about.

I find it insulting when somebody makes a negative comment on my blog. If you don't like what I have to say, then kindly leave the room or say nothing at all. It's the most self respecting thing a person can do in my opinion. This is not small claims court, a reality tv show or anyone one person's home. We all live within the AR walls & must play nicely or risk being asked to go away.

Lastly, the blog was featured for a reason. Whatever reason it is - GOOD if you ask me. Going against the grain, and making new conversations teaches people different things, usually for the better.

You use religion as a backdrop for your blogs Alexander. How do you feel when people attack your freedom to express your feelings & opinions? Your views are not accepted and beloved by everyone here on AR & neither are mine. Most people are respectful enough not to launch an assault or public character assassination.

If God wanted us all to be exactly alike with no difference of opinion he would of done so. Lets just celebrate our differences? What do you say? Humble yourself & please let this blog be fun.

By the way.. Bank of American can kiss ALL of my ass for what it's worth. A 35k toilet for the CEO? Now that stinks.

Alex,

Your understanding is incorrect. Members have the ability to determine what goes in their own blog. Period, end of story. If it violates our community guidelines we will remove the post. This post does not violate our guidelines. If there is language you do not agree with, do not read the post. You saw the title and didn't like it and you continued to read. Laraine is an adult, she can make a determinations of what is appropriate for herself. I am not going to make those determinations for her and NEITHER ARE YOU. And ultimately a consumer will decide whether they want to work with her or not.

In a personal email to me (I only mention it because you have) you said that this erodes the professionalism of ActiveRain and if we don't do something about it you will walk away because you don't want to be associated with something that sheds this type of light on your profession. I can certainly respect that but I would encourage you to focus that desire for change on something that will have a positive impact on your industry and your clients, Mortgage Fraud, Homelessness, Divorcing the real estate commission, and numerous other things come to mind. Policing how your fellow professional conduct themselves via their written word is not your place, sorry.

I featured this post by the way because I recently got the same letter. Would I have used the language that Laraine used in a post that I made public? No, but Laraine has to live with the reprecussions of consumers out there knowing that she has a potty mouth, somehow I feel like she isn't going to lose sleep about it. You shouldn't either.

The contention that allowing foul language on ActiveRain is going to somehow taint the consumers view of real estate professionals in general, well I just don't agree. You have aired your objections and someone can read those and determine that you choose to take the moral high road just as easily as they can read Laraines post and she that she has colorful language.

Point taken, Bob........

And yes, true enough......

Thanks for reminding me that I am NOT an employee of AR....

Yes...we all have to live with the results of what we do in life...

Whether we care or not.....

=-)

APR

Is this what prompted the poll John Novak is taking?

APR

Maureen...

My educated guess is Yup. I stand by WidowMaker's (Bob Stewart) position. We're grown ups and have the ability to scroll on and leave other Bloggers alone.

TLW...ROAR!

I don't believe I had ever seen Laraine's posts until this one. AR is a big place.... I noticed it and read it because of the little gold star. Alexander's comments probably did more to make me notice and maybe even understand and appreciate Laraine's style more than I did initially.

I am glad I was so...."helpful" Maureen....... and thank YOU for pointing me toward the post with the poll about profanity in posts with your comment up above............

It helped me to get my feelings expressed about this subject.....

Profanity is just that....profane.....

=-P

John says his post and the poll are NOT about this post.

Sorry Laraine to be carrying on this conversation on your post.

Maureen - No problem. Have a seat and make yourself at home. :-)

APR

LMAO! I had NO idea that REAL ESTATE peeps were such DAMN HIPSTERS!

And LARAINE, hey baby, will you be my FACEBOOK FRIEND?

http://david.shaver.name

Dave - Yes, contrary to popular belief we're not all a bunch of tight asses. And as for being your Facebook friend...I'd love to, but I'm technologicially impaired. Some of my best friends have asked me to come aboard and I haven't done it yet.

Dave - I peeked at your photos on Flikr. You're a very talented photographer! Thanks for visiting Active Rain. How in the world did you happen upon this particular blog?

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