RE: When an incompetent inspector comes by
Dude I am all over it. Tomorrow I am taking photos of this to the bank in person and telling them to get someone competent out to do the inspection. I also want to know what company they sent out so I can file a complaint with the state. We had state inspectors out here after the foundation was done, and it passed inspection if it wasn't up to code it would not have passed. Plus the tie down screws are clearly visible in the hundreds of photos I have on every step of this job. I seriously have around ten thousand photos I took of this job being done. This house build was more documented than 99% of them that are built. Plus I blogged about everything every step of the way and because of that I have more than enough documentation to win a law suit if it comes to that. I over this shit as my rant post shows... I normally try to leave ranting off of here. But this house build has had me ranting more than once over the crap they are trying to pull.
I hear you! There is so much stress when you are building an when you hire a contractor you expect a good job because either you don't have the time or expertise. But that does not mean that they should take advantage of you! Go for it!
The contractors we hired did a great job. It is the home sales company we bought our modular home through that has been most of the issue. But this issue might be what you said the bank trying to milk an extra month or two of interest payments before converting our loan. It was a one time closing and they think we are at their mercy. They are wrong. I documented everything and my contractors I hired did everything right. It was their contractors finishing the house on site that screwed up and didn't do things right. Had we known this was gonna happen we would have hired out GC to finish the job. But we figure they sell 30 of these homes a month their crew would be best. Yeah Big no on that.
I am sorry you are having such a difficult time!