Morning Pops!
Almost Friday, which may not seem like something I should be excited about, since I haven't worked since early December - but I go to the doctor tomorrow, and I'm hoping he lifts enough of the restrictions for me to go back to work on Monday. It's not so much that I'm looking forward to work, but disability pay is garbage, and I'd really like to not have to deal with the insurance company anymore. People who like to do everything the hard way piss me off.
For instance, I went to the bank on April 25th to get some cash, but my ATM card wasn't working, so I went inside to make a withdrawal. Two weeks go by, and the money still hasn't been deducted from my checking account, so I go back to the bank and tell the same teller that I think she took the money from someone else's account. She does a search and tells me that the money came from my home equity line of credit. (I didn't know tellers even had access to that account.) I gave her the $200 back to put back in my HELoC and leave. A few days ago I get the statement for the upcoming loan payment and realize that rather than put the money back in as if it never happened, she put the money toward that month's payment. So now my checkbook is off, and my monthly payment is $1.51 a month more, which doesn't sound like much, but over the course of the next 4 years, that's $66 more than I should be paying.
So I e-mail the bank about the issue, and a couple days later I get a reply apologizing for the mistake, and a "Loan Department" phone number to call. I call that number and get the most aggravating automated service I've ever dealt with. (Getting so frustrated, that at one point I threw my phone across the room.) After finally reaching a human being, and another 25 minutes of talk-hold-talk-hold-talk-hold....She agreed that I shouldn't have to pay for their mistake...but she can't fix the problem yet.
I pointed out that if she takes the money from my payment and reapplies it to my balance, I'll end up with a late fee. She realizes I'm right, but she has to wait until I actually incur the late fee, before she can dismiss it, rather than just flag it and prevent it from happening. There's more to the story that I have yet to discover as the world turns. Stay tuned.