Wake up Saturday, and I get another call from the same number. Turns out to be the loan servicing company for my mortgage (I looked it up). This is one of the few bills I actually still pay with a check. I do that because I want to be sure I actually make the payment on time.
For the month of September, I wrote out my check while suffering from con crud. Apparently, I wrote two different amounts on the check, which is why they were calling me. Obviously, they can’t cash such a check. So, now I was late. I could send another check, but if it didn’t get to them within a couple days, ‘we’ll be forced to report it to the credit bureaus’.
Okay – so – aside from that PISSING ME THE HELL OFF – I mean, if I were habitually late with my payment, I could see making such a threat. But before she said that, she told me I have, ‘an excellent payment history’. Then why the heavy hand?
Rather than go through that possibility, I made an electronic payment.
“Would you like to go ahead and take care of the late payment? Technically, your check arrived on time, but the payment will be late.”
“And there’s a fee for taking an electronic payment.”
All added up?