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Joined 2 years ago
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Cake day: September 30th, 2023

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  • No no, it’s great, thanks for sharing and sorry for your troubles. As I was reading your first comment I was getting freedom vibes and then, oh shit, you dropped their name. Yay! /s

    The level of incompetence I’ve seen is peanuts compared to what you’ve been through. I looked up the specifics of PMI cancellation from the consumer financial protection bureau and the last letter they sent is simply wrong, while the second one was 99% correct. I think I’ll send them copies of the letters and ask for clarification just to be a hassel.

    Again I keep thinking AI. In what way they’re using it, I don’t know, but the randomness of the responses I’ve received makes me think nobody is at the wheel. The one time I called, the person gave me inaccurate numbers for pmi cancellation, and he said had to wait for a calculator to spit out a value. Perhaps they are interacting with an AI that dictates their output.


  • I also noticed there is something fucky going on at Freedom Mortgage. I asked them about the requirements for canceling my PMI. The guy on the phone said one thing, then I received an unrequested letter saying something else, then another unrequested letter completly contradicting everything prior, saying I can’t cancel PMI even if I pay down the principal to the PMI threshold, which I’m pretty sure isn’t how it works. I think they have AI running everything or something.



















  • Sounds like you’ve thought about this a bit so you’ll be fine. Everything you may need can be bought in route if necessary. Perhaps download offline maps for your navigation app in case you don’t have cell service.

    Maybe pack some healthy food? This is going to sound silly, but I like to buy small heads of green and purple cabbage and just eat the leaves raw while driving. It can keep you from buying junk at a gas station.

    You could do some worst case prep, like have a couple gallons of water in the car and other things to keep yourself alive and comfortable in case the car breaks down somewhere inconvienent. If you have time you can buy a roadside assistance plan from AAA or similar so you can get towed to a mechanic, but you very likely won’t need it.

    I’ve been driving for over 20 years and I’ve never had a car break down in route. Just make sure the tire pressure is fine, the tires aren’t shit, and there are adequate levels of engine oil and engine coolant. That’s all you can really do.