Sooo, we’re hoping to mostly pay off my car with our (very very late) tax refund. We’re going to be about $600 shy of paying it off, but that is what the normal payment is so that shouldn’t be too hard to handle next month.
They called today because the payment is late (yep, it sure is, thanks IRS). I explained what was going on and why it was late and how we were hoping to send a bajillion dollars as soon as the IRS gave me back my money. She said that was fine.
Then she blew my mind.
It seems our last payment, the final pennies to pay off my car, have to be made by “certified funds”. You know, Cashier’s Check, Western Union, Money Order.
I asked her “what if I had just made the regular payments like planned and mailed in my last payment like usual?”
She just repeated that the last payment had to be “certified funds” and said “that is why I’m telling you now, so you’ll know".
I asked her whyyyyyyy did my last payment have to be “drag my kids into the bank or into the store front office and pay to send my money to someone ‘certified funds’ “ and after her snide remark about “well if THAT’s what YOU have to do then…..” she explained that they had to change their rules because title’s were being released and then checks being returned or card payments rejected and they had no way to get the titles back.
“So…” I asked, “what you’re saying is because the company you work for releases titles without waiting for a cleared check I now have to haul my kids into the inside of the bank to get ‘certified funds’?”
Silence….
“What if I don’t”
I’m pretty sure she started wishing then that someone else had been stuck with my phone number this morning.
Seems they ‘might’ hold my title for 60days.
Oh geez, that’s totally gonna put a crimp in my evil plan to keep this car forever so I can force my kid to learn how to drive in the very vehicle she despises with a passion.
