Slumloards, credit scores and a prenatal chiropractor [in a pear tree]... · Ryder Family Farm- Southern Illinois
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Slumloards, credit scores and a prenatal chiropractor [in a pear tree]…

Slumloards, credit scores and a prenatal chiropractor [in a pear tree]…

Being all pregnancy slackerific the majority of the time means that when the energy does actually come in spurts we have a crapload of stuff to accomplish all at once. Thankfully as a team N and I have managed to continue getting everything dealt with that needs to be. It is days like today that make it all possible.

I had N get me up early today so I could get busy taking care of some Custom Gifts by Talina duties… Things like bookkeeping, taxes, order processing and all that fun stuff. While I was in business owner mode N was dealing with our February rent check saga on the phone.

You probably can recall all the ridiculous landlord drama I’ve already shared here but I am pretty sure this latest development takes the cake. It requires a little back story though… Feel free to skip the back story if you already know it.

When we first signed the lease with our landlords we were provided with their mailing address for the rent payment. The lease also stipulates that we can make payments directly to the landlords checking accounts and it lists the banks they use. We were also provided with several deposit slips from their bank for depositing the rent checks.

Up until November the address and banking information they provided us with was correct. In November we sent out that certified letter detailing our issues with the safety of the home and we also included our December rent payment. Well, the certified letter was never picked up by them and was eventually returned to us.

Conveniently enough the landlord showed up at our door while our certified letter was in limbo land. She had new bank deposit slips and a letter explaining that they moved residences and also banks… Now our payments should go to their new address or deposited to their new bank account, more deposit slips were provided.

We also discussed our issues with the leaking basement/ the mold and were assured they would come out to take a look at it all after the holidays and make necessary repairs (it’s February now and no landlord has been here to inspect or repair anything).

We paid our December and also January’s rent with one check that was handed over to the landlord the day she stopped by to give us a dehumidifier for the basement after our discussion. We refused to make out another rent check until the first one was actually returned to us… That is the back story in a nutshell.

Well we just attempted to pay our February rent via electronic bill payment and have been waiting since the beginning of the month for the funds to leave our account. At first we thought it was an issue with our own banking facility as they did not process the payment electronically, they sent a paper check instead…

We’ve been worrying that our check is lost in the mail or stolen and have been upset that our bank didn’t process the payment electronically as we had requested.

I was just sure we were going to have to pay about a month in late rent penalties to the landlords and have been waiting to find out exactly what happen to our rent payment.

Today after more digging N found out that our landlords account was closed before our rent payment even went out. We’ve not been notified of a third new account or a new address to send payments to, the info they (the landlords) have most recently supplied was the info we were trying to use.

When N called their bank to try and figure out where our rent check is today the bank representative said she wasn’t allowed to say more about their account but that it had been closed and that our rent payment would have been returned to our bank…

So now we are waiting for our bank to provide some sort of documentation of the check being returned to them as a result of the payees account being closed.

The documentation is important proof of our attempt to pay rent on time and in a timely manner (so we aren’t evicted or charged penalty fees for late payment). We’ve never had a landlord who was so difficult to pay rent to!

The even better part is the landlords are delinquent on the property tax owed to the city on this place, they have been since July 2008 and also have penalty fees and money owed from 2007 on this property (it is public information) and also on all the other 40 properties they owe…

The thing with property taxes here is that if you get severely behind on them the city/ sheriff can auction your property to recoup the owed money… So we are particularly interested in finding out more about the tax situation as it could result in us having nowhere to live. We are also wondering if they are even making the mortgage payments on this property, if it is foreclosed we’ll also be out on our ass so to speak…

Good times huh? Isn’t it amazing how all this randomness and drama just finds us (or do we find it? Never mind don’t answer that…)

In other news, I saw a prenatal chiropractor on Saturday because my pelvic pain was getting so bad I couldn’t sit or stand for longer than 30 minutes. Turns out my tailbone/ right pelvic bone was jacked up. It was stuck between a standing and sitting position which is why only laying on my side made me comfortable.

I’ve got followup appointments scheduled with the chiropractor to check my pelvic alignment and to keep me in check, since the insurance covers 80% of it. We figured it couldn’t hurt to relieve my pain and to keep my back and pelvis in proper position especially since I’ll be having Tater in about 4 months!

For those of you (who have commented) who are also pregnant and having tailbone, pelvic or back pain I would strongly recommend finding a prenatal chiropractor and having them take a look at you.

It made a huge difference for me! I thought I was having circulation issues, possibly getting hemorrhoids and having back pain as a result of the weight of my growing uterus. Turns out all my complaints were resolved once the Doc got my right pelvic bone back in correct position. Amazing!

Oh, and look what just arrived in the mail. It is even cuter than we thought!

cocalo bali courture nursery set

We love it even more than we thought we would. The green and blue are so vivid and cheerful and the fabric is super soft with adorable designs and fun textures. Happy day! We even found the perfect way to include just a splash of pink in the room, see:

We also heard back from the mortgage lady today and got the news we expected. Once the disputed items on the credit report are resolved and once the student loan status is changed from derogatory to “in good standing” (in 2 months) we’ll be approved for a mortgage. It is just a matter of going up 18 points credit score wise…

In the meantime N is going to get more answers from his employer about the future of his on air career. Buying a home might not even be something we want to do in this particular city, especially if N’s career growth is limited. Once he knows more about the employers plans for him we’ll be able to decide about our home buying saga.

Basically we’ll either stay here through the remainder of our lease (late august 2009, if the house isn’t auctioned out from under us before that) then we’ll buy something or we’ll move from here ASAP and get in a nicer rental home that we can STAY in for the remaining 2 years left in N’s contract.

*sigh* explaining all this has sure made me tired, are you tired after reading it? I guess that means it is time to move from the office desk to the bed and resume my pregnancy slackerific ways for the rest of the day. Ooo, here are some belly pics (one in undies and bra and one in clothes) since so many are asking. These were taken 3 days ago. Now go place your baby weight bet okay? You could win cash!

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  • melissa
    Reply

    Your landloards sound like a real piece of work. I would be so pissed. Hopefully they don’t auction off the house from underneath you.
    I like the bedding set you got. I would keep it after she grows out of it so in case you have another one. I would advise to have at least 4 cribs sheets because they poo and pee through them so much. I started off with 2 for Riley and it’s just not enough, so I had to get some more.

    February 23, 2009 at 7:08 pm
  • Your landlords are sounding pretty shifty, how many times do you change banks, and problems with 40 properties? I don’t suppose there is any way to contact any other renters of their properties to see if they are running into the same issues as you?

    Loris last blog post..The collection of ‘stuff’ is getting bigger!

    February 23, 2009 at 9:42 pm
  • Smart of you to document everything. You gonna need it, those slumlord scumbags.

    witchypoos last blog post..GIST6

    February 23, 2009 at 9:46 pm
  • Your belly is soooo cute! I just want to rub it! So can you rub Tater for me? I fix the comment issue, I think?
    Oh ya Lady get that funiture on your list! PLEASE!!!
    I was thinking either April 18th or 26th? That gives you about 10 weeks before your due date?

    Krystal McCarthys last blog post..It’s all about Mikie!

    February 24, 2009 at 12:37 am
  • Wow. I can’t believe all the troubles you’re having trying to pay rent. That is just crazy! Its great that you’re documenting everything! Hopefully that will be able to help you get out of your lease early.

    The bedding is adorable!!

    Beckys last blog post..This is Dedicated to……

    February 24, 2009 at 4:51 pm
  • Why would ANYBODY close an account they are receiving money into? Sounds shady to me. I like another comment asking if you can contact other renters. Maybe there will be strength in numbers.

    I SO SO SO love your belly! I’d want to rub it, were I anywhere near you.

    Hyphen Mamas last blog post..Bullet Point Saturday (Sorry folks, it’s all I’ve got in me today)

    February 24, 2009 at 6:56 pm
  • Goodness – that is pure craziness going on with your slumlords. I didn’t know your tailbone could get stuck like that. Yikes. Sounds so painful. **winces**

    You are finally starting to look like you are pregnant (or that you ate a big sandwich for lunch). LOL. 😉 And I love, love, LOVE the baby crib set – that is going to look so adorable! Hooray for the little bits of pink too! 🙂

    February 24, 2009 at 9:21 pm
  • Hey there, I was searching chiropractors and Evansville and your blog popped up. I’m pregnant in Evansville and planning a natural birth in one month and you often pop up in my google searches! Ha!

    I was wondering if you would recommend your particular chiropractor? And if you wouldn’t mind sharing the name? I am currently dealing with some pains that came out of the blue and have stopped me dead in my tracks. Must find relief soon! Thanks,
    -Emily
    .-= Emily´s last blog ..Showered! =-.

    August 30, 2009 at 5:43 pm

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