Friday, September 18, 2009

I'm such an idiot!

These are tough times for a lot of people. A LOT of people. And a lot of me...are just waiting for something good to happen. Something to fall into place nicely and neatly.
We've been living around the corner from our ex-home...our dream home. It's had been over a year the the house had not been foreclosed on, so for the next 8 months we 'worked' with the bank to see if they could do something out to help us get it back. I know, I know...a lot of people have a lot of opinions on this subject, but please know that not everyone bought beyond their means....some of us ended up with extenuating circumstanced that left us unable to make our payments. And until you've walked in the shoes that loose you your home...please don't judge. Anyway, after a stupid clerical mistake where someone closed our file at the bank...the file we worked so hard to build....our ex-house was sold at auction. The End.
So now we are in a rental house, around the corner from the ex-house that has been a two year heartache. I want out of the neighborhood. NOW! And I definitely want to move before my oldest starts kindergarten next year.
We've set our sights on a great subdivision and I've been scanning the internet daily (okay, a million times a day) to see if any rentals have opened up. I was excited today to see that there was one posted on craigslist....right size...right price...beautiful! I contacted the person right away and received an auto-response, with a link to a website with more information about the house. There was an area to fill out your name and email and submit it if you were interested in setting up an appointment to see the house. So I did that. There was also a link to pull your credit reports which are required when you go to see the house. I didn't do that.
Being the obsessive compulsive person I am, I did a mad search on the internet to see if I could find alternative contact information for either the owner or property manager, based on what little information I had. I searched for an hour. On page 4 of my last google search, I find another craigslist post....from another city clear across the states...and guess's a fraudulent post...and these people are going from city to city getting people to use their link for the credit reports and then stealing their identity. UGH!
I'm a smart educated woman. I am also very trusting. I feel like such an idiot that I allowed myself to get so extremely excited about this house. I would have filled out the forms. Had they contacted me and said that the credit reports were all they needed....I would have done questions asked!!! I would have fallen for their stupid scam, and my life that is already in a state of shambles would have gotten 100x's worse. Don't get me wrong, I'm VERY thankful that I found the post about the fraud...but I'm equally as pissed off at myself for almost falling for it. Or for even knowing that I would have fallen for it hook, line and sinker.
And the thing is....I don't want to be a cynical, paranoid, un-trusting person. But can I learn to be more cautious? Is there a happy medium, or am I just living in the wrong era?
I just really wanted something good to happen today...


Anonymous said...

I am so sorry for you..., both the circumstances in which you find yourself but mostly for getting this kind of shit happen to you. I know it's not much to offer but please don't lose that spark that lets you trust. You are not an idiot and you are not alone.

Unknown said...

Don't feel like an idiot - cause if you are, then I am too. Same situation, our house is being sold at auction in early October. Looking for a rental, and I've seen PHOTOS on CL of houses that I've seen passing by, only to email and get that same auto response - and I'm never sure what to do, what if it's NOT a scam and I'm passing up the perfect house? But, what if it is and they steal the little that we have left???

I know what you're going through, and it sucks - especially when it's not a matter of buying beyond your means, but just life happening and it not working out.

You'll find something...

K.Line said...

It strikes me that you had a very good day! You avoided being totally scammed (horrible that such things can happen, though it is). Very sorry to hear that things have been so challenging for you, but I'm so pleased you weren't the victim of fraud.

Unknown said...

I am sorry for you. I have been in a rough spot also. I held on to my house with my fingernails! I have never used CL. I have heard nothing good about it. I am so glad you did not fall for the scam. You need to tweet that over and over again so EVERYONE gets the message. Put the website out there for everyone to see.