(this may be long)
I traded in my Dodge ram for a Jeep JK last January. I love jeep and just wanted another one, i was in good standing with the bank lender always paid early, and was never late on a monthly payment. so it was no problem getting the JK.
Some things happened in July and i had to fly back home to Virginia, a couple days before my normal payment i called the bank and paid over the phone ( not remembering i wouldn't get a receipt i didn't write down the conformation number :th_242735: i know i know) i then went about my bis.
Aug rolls around i drive to the bank pay and get my receipt so on and so on, my wife gets a call toward the end of December stating i was behind!
so i grab all of my receipts and head over to the bank which was like talking to an idiot, my wife ends up talking to someone who said i was in collections( so i begin to remove my mods off the jeep) and says if this isn't dealt with someone will be coming to collect the JK! Shit, so they work out a deal that one month will be put toward the end of my loan and to just pay twice in january, mind you i was never told i had to pay a late charge or that i was even behind since July no statements calls or anything.
So i am good, we get the deferred payment letter and its for my wife's jeep not mine!! WTF, :flamethrowingsmiley so i call asset recovering and talk with a very nice lady i tell my record with said bank should always show im early blah blah, i give her a date on which i will shit two payments and promise to be early.
Well look at that im early, all said and done!
i check the mail today grab a beer while holding my fat ass basset hound and check my account and there are insufficient funds charges which came out to four car payments! fuck my fucking face! i spit my beer and damn near hit the computer with my hound! so sorry for the rant but hey fuck my credit fuck my money when will this shit ever end!!!!