So recently I applied for a modification to my home loan. My income for the time being has taken a serious hit. A customer service rep called me up to let me know that due to increased requests at this time, I would be receiving an additional 30 days on my “grace period”. I clarified, so you mean after you start my temporary modification I will get an extra 30 days? No, you will be receiving an additional 30 days before we respond to your modification request he clarified. I told him in the future to avoid making other customers as mad as he made me in that moment that he should say something closer to the effect of: in order to process the loan modification and reduce your monthly payment, Bank of America is going to need an additional period of time that could be as long as 30 days to process the request, we know the hardship this may incur and we only ask for this time so we can do our very best with you and your request.

I would have been much more pleased with that… I doubt the person understood me though he had a very thick unidentifiable foreign accent.