EQUITY LOAN APPLICATION

 3 WEEKS AGO I SUBMITTED INITIAL APPLIC. AND NECESSARY DOCUMENTATION.

HEARD NOTHING FOR TWO WEEKS.

EVENTUAALY, REC'D GOOD FAITH ESTIMATE, REQUEST FOR SIGNATURE ON TRUTH-IN-LENDING AND BORROWER CERTIFICATION FORMS. ALSO REC'D REQUEST FOR PROOF OF HOME INSURANCE AND ADDITION OF HUDSON SAVINGS BANK AS 2ND MORTAGEE.

IT WAS STATED THAT I WOULD BE NOTIFIED OF A CLOSING DAY WHEN DOCUMENT REQUEST WAS SATISFIED.

I NOTIFIED MY INSRANCE CO. OF REQUEST AND THEY AND I FAXED THE NECESSARY PAPERWORK, INCLUDING THE ADDITION OF HUDON AS 2ND MORTAGEE.

I CALLED THE HUDSON CONSUMER LOAN DEPT. TODAY TO CHECK ON RECEIPT OF FAXES.

AFTER 4 SEPARATE ATTEMPTS BY THE OPERATOR FOR SOMEONE TO ANSWER THE PHONE AT THE DEPT.

iSOMEONE SHEEPLISHLY ANSWERED THE PHONE WITH AN ALMOST INCOHERENT 'hello'.

I ATTEMPTED TO EXPLAIN THAT I WAS CHECKING ON THE RECEIPT OF THE APPLICABLE FAXES.

I WAS PUT ON A SILENT 'HOLD-ON' FOR 5 MINUTES AND THEN TOLD MY EQUITY LOAN APPLIC. WAS REJECTED. I ASSUMED THERE WAS A MISTAKE SINCE MY MO. PYMT ON THE LOAN WAS $ 87 PER MO.

I COULD NOT BELIEVE THAT I WAS TURNED DOWN FOR AN $87 MO. PYMT.

BUT MORE THAN THAT, BEING TOLD TO CHANGE MY INSURANCE POLICY,  INDICATING A CLOSING DATE UPON RECEIPT OF PAPERWORK AND A TOTALLY UNPROFESSIONAL  EXPERIENCE LEADS ME TO SAY THAT HUDSON SAVINGS BACK DOES NOT DESERVE ANY STARS.

i BUT TO POST THIS MESSAGE I NEEDED TO INDICATE AT LEAST ONE...BUT AS I SAID THEY DON'T EVEN DESERVE THAT.