faith restored
yep. faith in humanity restored a bit today. our checking account was in the red, like, by a LOT thanks to the car accident hence the decuctible then the vet bills for soap then the cell phone bill that i paid in time for hurricane sandy in case we lost power for extended periods etc and the time i missed at work with sick children. it was hovering around 1000. yep. yikes.
so i was trying to figure things out, omg it was awful. about to tuck my tail between my legs and beg my mom again.
then i thought, well, maybe i should ask the bank (okay it's a credit union) and see what they can do for me. maybe they can arrange a payment plan or something. doubtful given our credit, but maybe.
so i go after work. i'm shaking. terrified. i hadn't talked to mark because (as i tend to do because i'm a moron) i was trying to fix it before i told him. i didn't say i was smart sometimes.... but i digress.
so i go in. give my name. wait.
go in to see the vice president. of the whole effing bank (credit union). terror.
she's friendly. she looks up my account, prints out a history, and highlights the various fees. yep scary stuff. she asks why the account went into the red. i tell her. see above. she asks me to wait while she talks to someone. i'm thinking that she's going to get someone to close our account and garnish wages or something (i have no idea how that works but dang it, it seemed plausible to me.) and i look around the office and notice the various cat statues, count some plants, notice a container of bloodworms despite the lack of fish tank, notice a book on the shelf titled "it's okay to be the boss" and i have to wonder how long she's actually been a VP. i start thinking about her possible rise to power. i make crap up when i get bored. occupational hazard.
she comes back. she informs me how this one program works and that it can be broken up into four separate payments, and it will bring my account back up to zero. um, really? wow. oh and it's not a "technical" loan, there is no interest and it doesn't show on my credit report. just fixes the problem.
holy crap where do i sign up?
oh wait there's one more thing.
oh great here we go.
she slid a paper across the desk and says "i waived the fees."
"which ones?"
"all of them."
"all of them?"
"all of them."
"why?"
"you didn't spend the money on frivolous things, i can see that it went to bills. you and your husband both work. you have been with us for eight years and we've never had a problem. you were nothing but polite. and most of all, you didn't ask me to."
holy shit.
she got my "debt" down to 440 dollars. first payment of 110 due december 23rd.
because i was polite. and because i didn't ask her to.
holy SHIT.
because i was hoping for help but didnt' expect anything handed to me.
go figure.
faith restored. well played, universe. well played.
so i was trying to figure things out, omg it was awful. about to tuck my tail between my legs and beg my mom again.
then i thought, well, maybe i should ask the bank (okay it's a credit union) and see what they can do for me. maybe they can arrange a payment plan or something. doubtful given our credit, but maybe.
so i go after work. i'm shaking. terrified. i hadn't talked to mark because (as i tend to do because i'm a moron) i was trying to fix it before i told him. i didn't say i was smart sometimes.... but i digress.
so i go in. give my name. wait.
go in to see the vice president. of the whole effing bank (credit union). terror.
she's friendly. she looks up my account, prints out a history, and highlights the various fees. yep scary stuff. she asks why the account went into the red. i tell her. see above. she asks me to wait while she talks to someone. i'm thinking that she's going to get someone to close our account and garnish wages or something (i have no idea how that works but dang it, it seemed plausible to me.) and i look around the office and notice the various cat statues, count some plants, notice a container of bloodworms despite the lack of fish tank, notice a book on the shelf titled "it's okay to be the boss" and i have to wonder how long she's actually been a VP. i start thinking about her possible rise to power. i make crap up when i get bored. occupational hazard.
she comes back. she informs me how this one program works and that it can be broken up into four separate payments, and it will bring my account back up to zero. um, really? wow. oh and it's not a "technical" loan, there is no interest and it doesn't show on my credit report. just fixes the problem.
holy crap where do i sign up?
oh wait there's one more thing.
oh great here we go.
she slid a paper across the desk and says "i waived the fees."
"which ones?"
"all of them."
"all of them?"
"all of them."
"why?"
"you didn't spend the money on frivolous things, i can see that it went to bills. you and your husband both work. you have been with us for eight years and we've never had a problem. you were nothing but polite. and most of all, you didn't ask me to."
holy shit.
she got my "debt" down to 440 dollars. first payment of 110 due december 23rd.
because i was polite. and because i didn't ask her to.
holy SHIT.
because i was hoping for help but didnt' expect anything handed to me.
go figure.
faith restored. well played, universe. well played.