Moral Dilemna

[FireGuy]

OK Guys, I refinanced my house last year, closed about 6 months ago, appraisal done nearly a year ago. I get an email today from my mortgage broker saying their office made a mistake and forgot to put my appraisal costs in my closing fees. Everything went through escrow and was signed off on at the beginning of the year and matched the good faith estimate. So the broker ends the email by saying he apologizes for their error but I need to swing a check by the office for $600.00.

Should I just suck it up and drop them off a check or am I justified in thinking this deal was closed 6 months ago and if there was a clerical error on their end then that's not my problem. Oh...and to compound the problem, the lender is a friend of mine.

Part of me wants to email him back and say "This is Joe from the Nissan Dealership, my accountant just noticed we forgot to charge you for the oil change and interior detail when you made your purchase 6 months ago, I need you to drop off a check for $300.00"

Let me hear your thoughts....

[Panzerfaust]

The deal was "closed"!

/thread

[C_Bino]

I personally just wouldnt reply.

But thats me personally, I am a very honest person but dont send me a goddamn e-mail about money. They should send a notarized letter or at least call for a meeting.

E-mail my ass, how do they know it wouldnt go to your junk mail box, F*CK that.

[Cloe85]

thats BS... id be pissed off and would dispute it with them... and if i couldnt get anywhere, id let my husband finish it... box em into a corner and be done with it, not our error...

that sux

good luck

[ROIDSR4ME]

I wouldn't pay it.... Since it was the companies mistake they should eat the cost. There is no way I would call a client six months later if my business made a mistake.

[FireGuy]

You know the fact that I was told I needed to come by and drop off a check is what really got under my skin. Had he said, I made a mistake and am going to have to eat this out of pocket myself, any chance you can help? I would have been there within the hour. I guess it was the delivery that has me bent on this one.

[Undercover]

I wouldn't pay it either, but your friend is going to hate your guts afterwards.

Part of me wants to email him back and say "This is Joe from the Nissan Dealership, my accountant just noticed we forgot to charge you for the oil change and interior detail when you made your purchase 6 months ago, I need you to drop off a check for $300.00"

No, I have a better idea. Pay in $600 worth of spider drawings.

http://www.geekologie.com/2008/11/go...ts_drawing.php

[D7M]

Nope, I wouldn't pay it.

Especially since the deal was closed.

No offense to your friend, but I agree with C_Bino, an email was not the most professional way of handling this.

[C-MaN]

definitely not a professional move on his part IMO.

[kojak_x]

I don't think thats a friend.

[Western Man]

It took 6 months for them to catch the error? Sounds a little fishy to me. Review your paperwork and see if there is a line for the appraisal fee that didn't get filled in. They refinance homes all the time so they should have their charges pretty well figured out to avoid this. Plus after 6 months I'm not sure they're entitled to that money. May be a small claims case if you don't pay.

[FireGuy]

Yeah, I checked and it was not paid in the HUD documents. He stated it was not collected up front because I was a friend of his and that they just forgot to add in the fee's at closing. To be more specific, I have known this guy for 15 years and he actually trained me for a few shows. And yes, not paying is going to pretty much strain this beyond repair. Even if he is totally wrong I have to ask myself is $600 worth losing a friendship over???

[Undercover]

Well on one hand, a friendship like that is definitely worth more than $600. But on the other hand, shouldn't a friend overlook the $600 if the deal was already closed?

[FireGuy]

Well on one hand, a friendship like that is definitely worth more than $600. But on the other hand, shouldn't a friend overlook the $600 if the deal was already closed?

EXACTLY!!! Hence "Moral Dilemna" $600 isnt going to change my life one way or the other but I am a principle kinda guy and I can honestly say I am not sure what the "right" thing to do here is.

[CBGB]

Bad business, yes! But, you received a service from somebody and you owe payment for that service. He may have sent you an email instead of a certified letter because of your friendship. You have a personal relationship, maybe he thought any other way would have been to impersonal for someone he calls a friend.

[Chitown Raider]

Well, the way I see it is the case is closed. But, on the other hand this is a friend of yours and it seems like to two of you were somewhat close. I agree he should have called you and explained what happened and asked for some sort of help. What I would recommend if you don't want to lose a friendship is tell him you will meet him half way since the paperwork was screwed up on his part.

[DSM4Life]

Very tough call.

Looks like you need to make a choose

A) Friend

B) 600 bucks

[Iron_Pig]

Bro if it is a mistake then pay the dude not worth the hard feelings and a lost friend right. But let him know that the email was BS and he should have met with you are called on the phone.

[BG]

E-mail my ass, how do they know it wouldnt go to your junk mail box, F*CK that.

Good point!

Maybe meet them halfway...$300??

[J-Dogg]

If it's a friend, and he did not make you pay it upfront because you are his friend, then I'd pay him.

On the other hand, you are paying your "friend" $600 to appraise your house, and he's making money off that. It's not like there is some huge material cost or equipment over head to appraise a house.

A friend of mine had a leak in his roof, and just got out of the hospital (I own a roofing company) and wanted me to take a look at it. I generally charge about $400 to patch a roof. But he's my friend, he tried to give me $40 and I refused it and took a root beer out of his fridge.

[FireGuy]

If it's a friend, and he did not make you pay it upfront because you are his friend, then I'd pay him.

On the other hand, you are paying your "friend" $600 to appraise your house, and he's making money off that. It's not like there is some huge material cost or equipment over head to appraise a house.

A friend of mine had a leak in his roof, and just got out of the hospital (I own a roofing company) and wanted me to take a look at it. I generally charge about $400 to patch a roof. But he's my friend, he tried to give me $40 and I refused it and took a root beer out of his fridge.

He is not an appraiser, he is the mortgage broker and his office apparently didnt put the appraisal costs in the closing costs or good faith estimate. Now the apprasier wants his money and so now they are wanting it from me.

[xnotoriousx]

I'd maybe give him $300 maybe the 6oo bucks, depending on the amount of respect the person shows.. Maybe nothing.. Idk, that's tough... A lot of different factors wold have to be put into perspective.

[jbm]

coz he's a friend give him 300...

[J-Dogg]

He is not an appraiser, he is the mortgage broker and his office apparently didnt put the appraisal costs in the closing costs or good faith estimate. Now the apprasier wants his money and so now they are wanting it from me.

If that's the case, personally, I'd pay him.

But how did the appraiser do this work and not notice or invoice them for 6 months?

Maybe this delima is better seated between the mortgage broker and the appraiser? Not so much between the broker and the customer.

It's not a real easy one, and I hear you on "I need you to drop off a check" instead of asking for your understanding. That puts a little spit on the situation.

I'd probably still just drop it off, but I guess I'd feel like a sucker a little for it? But I'd feel it's the right thing to do. 8 or 10 people would never give that money out.

[J-Dogg]

I'd maybe give him $300 maybe the 6oo bucks, depending on the amount of respect the person shows.. Maybe nothing.. Idk, that's tough... A lot of different factors wold have to be put into perspective.

I'd rather give him nothing than $300.

IMO the partial payment simply implies your a cheap sucker looking for a way to pay less.

It's not about the money in this situation or would not be for me anyway. Would be more about the lack of professional work.

[BG]

or bring them in 600 single dollar bills...

[jbm]

or bring them in 600 single dollar bills...

how about coins...

[xlxBigSexyxlx]

I say just pay it. Granted email isn't professional and the way he worded it, but a friend is a friend and a mistake is a mistake. Suck it up boss

But if its bugging you that much, call him and work something out with you paying 300 or so...

[jamyjamjr]

He is not an appraiser, he is the mortgage broker and his office apparently didnt put the appraisal costs in the closing costs or good faith estimate. Now the apprasier wants his money and so now they are wanting it from me.

if taken to court i believe you'd win..

but since he's your friend i'd say pay the guy fire...

but i also say you send that e-mail to make a point..

[ninesecz]

Do not pay anything until you absolutely have to! It is not like they are going to take your house away cause of $600! Just keep holding off! until it is a must..That is what institutions do to get that last little bit of interest

[gixxerboy1]

pay it and bang his girl or mom

[Ernst]

Even if you feel you must pay him, I would make him wait. Just tell him you don't have it right now because you just paid for item X. At least let him stew. One thing is for damn sure, and that is that you don't need to swing by and give him $600 right now.

[MuscleScience]

I dont know, I had a friend stiff me on a 70 dollar music ticket when I was younger. A group of us were going to a concert, asked him if he wanted to go so I bought tickets for everyone about 2 months out from the concert. Everyone payed me promptly but him, two weeks before the concert he said he couldnt afford to go. I told him I couldnt really sell the ticket because it was a out of town concert. He finally payed me a month after the concert and just kept dogging it. Pissed me off and something I havent forgot about even after 10 years.

[jbm]

I dont know, I had a friend stiff me on a 70 dollar music ticket when I was younger. A group of us were going to a concert, asked him if he wanted to go so I bought tickets for everyone about 2 months out from the concert. Everyone payed me promptly but him, two weeks before the concert he said he couldnt afford to go. I told him I couldnt really sell the ticket because it was a out of town concert. He finally payed me a month after the concert and just kept dogging it. Pissed me off and something I havent forgot about even after 10 years.

do you want me to fvck his girl? lololol!

[Bojangles69]

Call a lawyer first and find out if your legally obliged to pay.

[MuscleScience]

do you want me to fvck his girl? lololol!

I wouldnt wish his girlfriend on my worst enemy she is a shedevil...

[stack_it]

If $600 doesn't hurt u either way and not paying will Hirt your friendship than I say pay it. Yes it was unprofessional the way he went about it but I believe he just didn't put much thought into the delivery because he didn't think he needed to for a friend.

[Bojangles69]

If $600 doesn't hurt u either way and not paying will Hirt your friendship than I say pay it. Yes it was unprofessional the way he went about it but I believe he just didn't put much thought into the delivery because he didn't think he needed to for a friend.

Yep the bold truth right there.
I have "business emails" from friends that make mention of escorts and such lol

[BuffThaStuff]

Just tell him you don't believe in same sex marriage

[jbm]

Just tell him you don't believe in same sex marriage