Posted on 08/05/2006 8:44:32 AM PDT by Big Guy and Rusty 99
I work at a mortgage company and I deal with people who do financial transactions so breathtakingly moronic that some them require a helmet. I think of one man who bought a jeep from a local dealership. When the jeep broke down, he took it to the dealership and asked them to repair it. When they couldnt repair it, he asked to trade it in. When they couldnt trade it in, he handed the salesman the keys and said, Here, you deal with it. Later, he bought a truck from another dealership, because it struck him that he might need a way to get around which didnt involve sharing a vehicle with strangers soaked in their own urine. Now he had a truck payment and a jeep payment for a jeep he didnt own anymore. His wife told me this story, then I asked her if her husband had ever been dropped on his head as a child. She replied softly, I dont know, seems like it.
Dont get me wrong, some of these people are not to blame for their situation. Something catastrophic befell them, now they are picking up the pieces. A lot of times, it involves some debilitating disease. Those calls almost always involve me. The words tumor and chemotherapy are thrown around by my customers the way most people use the words shoes or cheese. For some reason, most of my customers have growths that can be seen from a distance. I often wonder if those calls are routed to me by the computer system or Im just a disease magnet. Either way, Im quitting the day I get someone with leprosy.
It is odd to be hated so intensely by total strangers. If you really want someone to break into a tourettes syndrome, call them at dinnertime and offer them the chance to save money every month. I keep a notepad with me in case I learn any new words. Sometimes theyll ask, Can I have YOUR home number so I can call YOU during YOUR dinner? Sometime I tell them that Ive seen that episode of Seinfeld, its too bad youre not as rich as he is. Other times, I give them a phone number with too many or not enough numbers in it. Ill give them a little added encouragement by telling them, Call me a three o clock in the morning, Ill be sure to be asleep. How many people have called only to be a lullabied to the tune of you have not dialed enough numbers, please try again at an hour when only security guards and medical interns are awake?
I have no remorse for my treatment of these people, nor do I excuse my behavior. Sure, I could come up with childish excuses like they started it or they get what they deserve or cooties. Though these things are true, I can not blame them at all. My job is simply set appointments for loan officers to get the customer out of whatever jam they are in and make sure they show up for the appointments. I am good at my job despite my tomfoolery. Its all in how much you believe your own story. I once convinced a woman that my name was Jebediah from Lancaster County, Pennsylvania and I was, in fact, Amish. She said, I thought you people couldnt use technology. I told her that Id found a loophole. She set up an appointment with me. Unfortunately, her credit was not good enough for her to get a loan, but when she spoke with verification manager she was enthusiastic about keeping the appointment.
Like I said, most of the people I deal with are credit klutzes living life like a question mark. As in Do I have money in the bank? Should I use my credit card to get a liposuction? Should I use the mortgage payment money to buy liquor? Why do my clothes smell like vomit? These were questions I have to endure in this, my cold calling Special Olympics. My bosses also have questions for me like What the hell is going through your mind? Do you like your job? and Did you know you had another sale? I argued you that my confounding labyrinth of mind games tested their commitment to the appointment. I was a one man good cop/bad cop, who could break these people into putty without much resistance, plus it was fun. When I ran out of the standard questions about credit cards, car payments, and home improvements Id start asking absurd ones.
How are your cheese payments? I ask them.
My what payments?
You know . . . then dropping my voice a little in volume like we were sharing a secret, . . . cheese payments.
I dont think Im quite following you.
Oh, you will. I said cryptically but anyway, do you have at least six months in your saving account?
It didnt take long to find out the customer was completely devoid of money, so much so that other pieces of green paper had taken to avoiding her as well. I told her that Poverty had it charm but why eat Grade F meat which consists of circus animals and mostly filler.
People tend to tell total strangers things they neither should nor want to hear. The person on the phone will tell me things which amount to informational fruitcake, you dont want or need it. This woman explains that her money troubles were due to her daughter, who got her herself hooked to heroin. She explained that her daughter stole her credit cards and a ATM card, knowing that the pin number was the daughters birthday. I imagined my self bent on one knee, my head hung down, and my microphone outstretched like a tabloid television afternoon talk show host.
Go on, I said then what happened?
Then I couldnt keep any money or jewelry around the house because it would stick to her fingers.
There was a pause in the conversation. I heard her exhale from her cigarette loudly.
Now shes out whoring around with a pimp and all What can you say to something like that?
You must be so proud, I said, before setting the appointment for her to speak to our loan officer.
Maybe you can explain why it is that I paid my house off this spring and have been inundated with calls from companies wanting me to get a mortgage?
Not real swift on the uptake there, are ya.
hmmm.... I just said it was odd. The people I call are not swift and don't even have an uptake.
I think it has something to do with America's twisted mindset that success is measured in debt. I also keep my mouth shut about having the place paid off when realtors are within earshot. Realtors assume that we want to sell ASAP. They're shocked when we tell them that our home is not an investment, we bought it because we want to live here.
We sometimes get bad information from the people we buy our files from, it's unavoidable. Usually, we scrub the list when we come across renters.
It is either funny or annoying depending on how many I have gotten that day.
Which company do you work for?
The older I get, the more I'm convinced that the populace, as a whole, are just stupid. Speaking to the more intelligent ones has become a delightful surprise.
----
Most people are annoyed by having to continually answer the phone only to discover its a business call when they're at home and it's after business hours.
While I realize some FReepers make a living with these calls, I don't think anyone should unwillingly have to deal with the constant interruption of their privacy.
If anyone want to get off a caller's list, just sign up at the NATIONAL DO NOT CALL REGISTRY and inform the next telemarketer you're on the list.
They don't call back.
Reread before posting. ie: I work at a mortgage company and I deal with people who do financial transactions so breathtakingly moronic that some (of) them require a helmet.
This is one we can agree on MT
:-)
(applause)
I'm glad!
:-)
I thought it was funny but I think you have a rough job trying to get people to be sympathetic towards telemarketers.
Another small piece of advice. Introduce yourself a bit more before getting into the stupidity of the people you call.
Keep writing and rewriting. My wife is a professional writer and I get to be her unpaid editor. LOL
This sounds like a call for the Manual Buzzer!
I'd pay for the Adult Alarm...would be a great ringtone!
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