billvon 3,132 #1 May 18, 2006 ------------------------------------ Dear Homeowner: As you know, a new Board of Directors was elected to head your Credit Union last month; you may have even voted for us. Our platform has been, and will continue to be, lower costs for ALL our members, which is especially important in these times of economic uncertainty. We want YOU to keep more of YOUR money, and to that end we are making a few changes to your mortgage. Your original mortgage was a 30 year fixed rate at 6.25%, on a principal of $320,000. Your monthly payments have been approximately $2200. To reduce your payments, we have changed your mortgage to an adustable-rate mortgage, with an initial interest rate of 6%. This reduces your payments by $50, for a new payment of $2150. As you know, payments on adjustable rate mortgages can change with time as our prime lending rate changes. However, we pledge to you that we will never increase your payments as long as we are in power here at the Credit Union. Any additional payments required will be recouped by extending the term of the loan. We are taking action in other areas to save you money as well. A recent lawsuit by an outside law firm has been launched against us, supported by people who do NOT want you to save money. We plan to defend ourselves vigorously. Since this action will benefit YOU, the homeowner, we will add a portion of our legal costs to your mortgage. But again, we will NOT increase your payments; they will still be $50 less then you are paying now. In addition, we have begun a program of buying controlling interests in other credit unions, so we can realize economies of scale when it comes to mortgages. We will add the cost of this program to our member's mortgages, which again, will still cost less than you are paying now. With our new programs in place, we estimate that you will owe $457,000 on your mortgage after the original 30 year term expires. Some members have expressed concern that this might increase the term of the loan unacceptably. But rest assured - through our Family Togetherness plan, we are allowing your children (or closest living relatives) to assume your debts after you pass away. And again, you will still be paying LESS than you are paying now while you are alive. We know that you have a choice when it comes to mortgages, and we are happy to be able to save you money in this way. Thank you for your continued support. --------------------------------------- Quote Share this post Link to post Share on other sites
briguy 0 #2 May 18, 2006 i'd be pissed. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
warpedskydiver 0 #3 May 18, 2006 Quote------------------------------------ Dear Homeowner: As you know, a new Board of Directors was elected to head your Credit Union last month; you may have even voted for us. Our platform has been, and will continue to be, lower costs for ALL our members, which is especially important in these times of economic uncertainty. We want YOU to keep more of YOUR money, and to that end we are making a few changes to your mortgage. Your original mortgage was a 30 year fixed rate at 6.25%, on a principal of $320,000. Your monthly payments have been approximately $2200. To reduce your payments, we have changed your mortgage to an adustable-rate mortgage, with an initial interest rate of 6%. This reduces your payments by $50, for a new payment of $2150. As you know, payments on adjustable rate mortgages can change with time as our prime lending rate changes. However, we pledge to you that we will never increase your payments as long as we are in power here at the Credit Union. Any additional payments required will be recouped by extending the term of the loan. We are taking action in other areas to save you money as well. A recent lawsuit by an outside law firm has been launched against us, supported by people who do NOT want you to save money. We plan to defend ourselves vigorously. Since this action will benefit YOU, the homeowner, we will add a portion of our legal costs to your mortgage. But again, we will NOT increase your payments; they will still be $50 less then you are paying now. In addition, we have begun a program of buying controlling interests in other credit unions, so we can realize economies of scale when it comes to mortgages. We will add the cost of this program to our member's mortgages, which again, will still cost less than you are paying now. With our new programs in place, we estimate that you will owe $457,000 on your mortgage after the original 30 year term expires. Some members have expressed concern that this might increase the term of the loan unacceptably. But rest assured - through our Family Togetherness plan, we are allowing your children (or closest living relatives) to assume your debts after you pass away. And again, you will still be paying LESS than you are paying now while you are alive. We know that you have a choice when it comes to mortgages, and we are happy to be able to save you money in this way. Thank you for your continued support. --------------------------------------- I would be finding a lawyer and calling the Attorney Generals office in your state. Bill I believe they violated the terms of your loan by converting the mortgage, without expressed written consent by the signatories of the loan. If the loan was federally insured (FHA,VA, etc.) there may have been federal banking statutes violated. Quote Share this post Link to post Share on other sites
justinb138 0 #4 May 18, 2006 I believe he's being facetious. Quote Share this post Link to post Share on other sites
Gravitymaster 0 #5 May 18, 2006 Whooosh........ - Quote Share this post Link to post Share on other sites
warpedskydiver 0 #6 May 18, 2006 seems so...geez Bill why did you waste my time?...I thought someone was actually fucking you over Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #7 May 18, 2006 QuoteI thought someone was actually fucking you over WHOOOSHHH again Quote Share this post Link to post Share on other sites
lawrocket 3 #8 May 18, 2006 Keating should have thought of trying that!!! Then maybe he'd be POTUS now... My wife is hotter than your wife. Quote Share this post Link to post Share on other sites
billvon 3,132 #9 May 18, 2006 Dear US Citizen: As you know, a new administration was elected to head your country two years ago; you may have even voted for us. Our platform has been, and will continue to be, lower costs for ALL our citizens, which is especially important in these times of economic uncertainty. We want YOU to keep more of YOUR money, and to that end we are making a few changes to your taxes. Your original estimated tax was $15,000 a year. To reduce your tax payments, we have changed your tax rates so you will now pay $14,940 - a SAVINGS of $60 a year! As you know, taxes can change with time. However, we pledge to you that we will never increase your payments as long as we are in power. Any additional taxes required will be recouped by borrowing the money and paying it back in the future. We are taking action in other areas to save you money as well. A recent campaign by another political party has been launched against us, supported by people who do NOT want you to save money. We plan to campaign against them vigorously. Since this action will benefit YOU, the taxpayer, we will add a portion of the costs to your debt. But again, we will NOT increase your taxes; they will still be $60 less then you are paying now. In addition, we have begun a program of pre-emptive invasion of other countries, so we can protect you and realize savings in natural resources. We will add the cost of this program to your debt, which again, will still result in less taxes than you are paying now. With our new programs in place, we estimate that your share of the US Debt will be $457,000 by the time we leave office. Some citizens have expressed concern that this might increase the debt load unacceptably. But rest assured - through our many Family Support plans, we will allow your children to assume your debts after you pass away. And again, you will still be paying LESS than you are paying now while you are alive. We know that you have a choice when it comes to your vote, and we are happy to be able to save you money in this way. Thank you for your continued support. Quote Share this post Link to post Share on other sites
briguy 0 #10 May 18, 2006 i'm more concerned about my personal debt than national debt. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #11 May 18, 2006 Quotei'm more concerned about my personal debt than national debt. one effects the other. Quote Share this post Link to post Share on other sites
idrankwhat 0 #12 May 18, 2006 "Family togetherness plan"? Isn't that the same program as the "Patriotic Fiscal Responsibility Plan for Freedom and Liberty"? Quote Share this post Link to post Share on other sites
briguy 0 #13 May 18, 2006 Quote one effects the other. acutally, one affects the other captain obvious. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #14 May 18, 2006 Quoteacutally, one affects the other captain obvious. Spot the mistake.....isn't it funny when you correct some one you always seem to make a glaring mistake yourself.... Quote Share this post Link to post Share on other sites briguy 0 #15 May 18, 2006 i did it on purpose so you wouldn't feel completely retarded. at least it was a typo and not a grammatical error. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites SkyDekker 1,465 #16 May 18, 2006 Quotei did it on purpose so you wouldn't feel completely retarded. at least it was a typo and not a grammatical error. You mean as in not capitalizing the "I"? English is my second language? What is your excuse? Actually let me highlight it for you.... Quote Share this post Link to post Share on other sites briguy 0 #17 May 18, 2006 Quote What is your excuse? i don't have pinky fingers and cannot use the shift key appropriately. you may note that i never caplitalize anything. no pinkies....... ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites SkyDekker 1,465 #18 May 18, 2006 Quotei don't have pinky fingers and cannot use the shift key appropriately. you may note that i never caplitalize anything. no pinkies....... Funny, you use this symbol: ~~~~~ which needs the shift key to type. Hence, capitalizing shouldn't be too much of a problem for you...guess you are just too lazy to use proper grammar when using your native language. Quote Share this post Link to post Share on other sites Gravitymaster 0 #19 May 18, 2006 QuoteQuotei did it on purpose so you wouldn't feel completely retarded. at least it was a typo and not a grammatical error. You mean as in not capitalizing the "I"? English is my second language? What is your excuse? Actually let me highlight it for you.... You two are too funny. Why don't you get a hotel room next to a library. - Quote Share this post Link to post Share on other sites briguy 0 #20 May 18, 2006 Quote Funny, you use this symbol: ~~~~~ which needs the shift key to type. it is in my signature. i had my big-titted assistant type it in for me. she can't type anything else right now as she's busy warming my testicles in her mouth. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites rehmwa 2 #21 May 18, 2006 same assistant that bit off his little fingers (ask him to count to 9 sometime. It really makes him mad) ... Driving is a one dimensional activity - a monkey can do it - being proud of your driving abilities is like being proud of being able to put on pants Quote Share this post Link to post Share on other sites SkyDekker 1,465 #22 May 19, 2006 Quoteit is in my signature. i had my big-titted assistant type it in for me. she can't type anything else right now as she's busy warming my testicles in her mouth. from most of your posts I had assumed you didn't have any testicles. Quote Share this post Link to post Share on other sites warpedskydiver 0 #23 May 19, 2006 QuoteQuote Funny, you use this symbol: ~~~~~ which needs the shift key to type. it is in my signature. i had my big-titted assistant type it in for me. she can't type anything else right now as she's busy warming my testicles in her mouth. Do tranvestites like the taste of formaldehyde? I did not know that! Quote Share this post Link to post Share on other sites briguy 0 #24 May 19, 2006 Quote from most of your posts I had assumed you didn't have any testicles. damn, i lost a bet. my bet was that your next slam was going to be a homosexual accusation. luckily warped stepped in with that cliche. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites warpedskydiver 0 #25 May 19, 2006 QuoteQuote from most of your posts I had assumed you didn't have any testicles. damn, i lost a bet. my bet was that your next slam was going to be a homosexual accusation. luckily warped stepped in with that cliche. Ah Brian I was just fucking with ya Any friend of Henry's is a friend of mine Quote Share this post Link to post Share on other sites Prev 1 2 Next Page 1 of 2 Join the conversation You can post now and register later. If you have an account, sign in now to post with your account. Note: Your post will require moderator approval before it will be visible. Reply to this topic... × Pasted as rich text. Paste as plain text instead Only 75 emoji are allowed. × Your link has been automatically embedded. Display as a link instead × Your previous content has been restored. Clear editor × You cannot paste images directly. Upload or insert images from URL. Insert image from URL × Desktop Tablet Phone Submit Reply 0
briguy 0 #15 May 18, 2006 i did it on purpose so you wouldn't feel completely retarded. at least it was a typo and not a grammatical error. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #16 May 18, 2006 Quotei did it on purpose so you wouldn't feel completely retarded. at least it was a typo and not a grammatical error. You mean as in not capitalizing the "I"? English is my second language? What is your excuse? Actually let me highlight it for you.... Quote Share this post Link to post Share on other sites
briguy 0 #17 May 18, 2006 Quote What is your excuse? i don't have pinky fingers and cannot use the shift key appropriately. you may note that i never caplitalize anything. no pinkies....... ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #18 May 18, 2006 Quotei don't have pinky fingers and cannot use the shift key appropriately. you may note that i never caplitalize anything. no pinkies....... Funny, you use this symbol: ~~~~~ which needs the shift key to type. Hence, capitalizing shouldn't be too much of a problem for you...guess you are just too lazy to use proper grammar when using your native language. Quote Share this post Link to post Share on other sites
Gravitymaster 0 #19 May 18, 2006 QuoteQuotei did it on purpose so you wouldn't feel completely retarded. at least it was a typo and not a grammatical error. You mean as in not capitalizing the "I"? English is my second language? What is your excuse? Actually let me highlight it for you.... You two are too funny. Why don't you get a hotel room next to a library. - Quote Share this post Link to post Share on other sites
briguy 0 #20 May 18, 2006 Quote Funny, you use this symbol: ~~~~~ which needs the shift key to type. it is in my signature. i had my big-titted assistant type it in for me. she can't type anything else right now as she's busy warming my testicles in her mouth. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
rehmwa 2 #21 May 18, 2006 same assistant that bit off his little fingers (ask him to count to 9 sometime. It really makes him mad) ... Driving is a one dimensional activity - a monkey can do it - being proud of your driving abilities is like being proud of being able to put on pants Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #22 May 19, 2006 Quoteit is in my signature. i had my big-titted assistant type it in for me. she can't type anything else right now as she's busy warming my testicles in her mouth. from most of your posts I had assumed you didn't have any testicles. Quote Share this post Link to post Share on other sites
warpedskydiver 0 #23 May 19, 2006 QuoteQuote Funny, you use this symbol: ~~~~~ which needs the shift key to type. it is in my signature. i had my big-titted assistant type it in for me. she can't type anything else right now as she's busy warming my testicles in her mouth. Do tranvestites like the taste of formaldehyde? I did not know that! Quote Share this post Link to post Share on other sites
briguy 0 #24 May 19, 2006 Quote from most of your posts I had assumed you didn't have any testicles. damn, i lost a bet. my bet was that your next slam was going to be a homosexual accusation. luckily warped stepped in with that cliche. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
warpedskydiver 0 #25 May 19, 2006 QuoteQuote from most of your posts I had assumed you didn't have any testicles. damn, i lost a bet. my bet was that your next slam was going to be a homosexual accusation. luckily warped stepped in with that cliche. Ah Brian I was just fucking with ya Any friend of Henry's is a friend of mine Quote Share this post Link to post Share on other sites
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