2 posts tagged “save”

Success.

Got the Notary cornered along with two of the tellers at the bank branch to act as my witnesses for my will.

One peculiarity in the process.

To determine if I was of sound mind, the Notary asked me a few questions.

First was, "So, you just moved here last summer?"

Easy one, "Yup."

It was the follow-up to that which threw me.

"Have you found a church yet?"

Recovering, quickly, well it felt quick to me, I reply, "Sure, yeah, we've looked around and settled on (fill in name here because it's where we got my eldest daughter into affordable preschool.)

Banker/Notary: "Well, that's fine, but if you ever feel like joining a community of passionate believers, my church is up on (local road name here) and we'd love to have you join our fellowship."

Not the kind of witnessing I thought I'd get to legalize my will.

I guess church attendance qualifies as exhibiting a sound mind in these parts.

"Uh, yeah, sure, I'll talk to the wife about it."  One of the joys of marriage is being able to use the spousal-conference as a reason to not do anything immediately and be non-committal.

Then while the tellers fill out all their various info to make the will official and I'm a captive audience; he goes on about all the benefits about moving all of our funds to his bank and all the other various account add-ons he can push on me.

So, first he wants to save my soul; then he wants all my cold hard cash.

I shall keep both to my own counsel.

But I'm all legal, official, and fixed up to die.

Gimme an F...

Gimme an I...

Gimme an S...

Gimme an H...

What's that spell?

Today I had to play goalie/keeper to keep a vigorous attempt out of our credit score net.

Who was the other side on the financial pitch, you ask?

My bank.

My own frakking bank!

I pay all my bills, exclusively, with on-line bill pay.

Well, OK, not so "exclusively" really, there are vendors here and there, especially during the setup after a move that want to be paid johnny-on-the-spot, but aside from that, all the paper bills in the mail or received via on-line notification I pay using the bank on-line service.

It's free and saves me a mint on stamps each month.

Above and beyond that, I can track everything on-screen.

I've never been conscientious with entries in the old check register, so that's a major benefit for me.

I can't think of a time that there's ever been an issue with it.

It's secure, it's reliable, it's efficient, and I've been able to trust it.

Until today.

Just received a notification that my rent check payment was rejected.

The rent check that is due today/tomorrow.

The rent check that I now have no way of getting to the rental agent on time, either through a replacement via on-line billpay or through an envelope via postal service...

Unless, I find my box of physical paper checks that I use so rarely that I often misplace from neglect, load the two young'uns into the car (after youngest's nap, but before lunch), and drive over to a neighboring city, to the rental agent office, and physically deliver the check myself, today before 3pm when they close.

I'm offended not because of the rejection, but because it took the bank 8 days to tell me it was rejected.

If told on day one of the rejected status, I had loads of time to initiate a replacement payment, on time (to spare actually.)

The rejection occured because within minutes of initiating the payee and the first payment, I modified the address to include their suite number.

The bank couldn't have just modified my payment and sent it on its merry way?

Or told me that the modification neccessitated a cancellation of payment right away, since the error occured within minutes of initiation?

No.

Let's wait 8 days until we credit the funds back to tell him that the delivery failed due to address modification, leaving him absolutely no time to recover, even though he planned ahead and initiated payment 9 days before it was due.

Well, take that!

I made the save/stop.

The checkbook has been found, the payment written and I'm only killing time until youngest wakes to be on my way and get my result.

The customer will prevail.

Also, took much pleasure in pointing all of this out to a V.P. of on-line banking operations.

Cages will be rattled.

Changes in procedure will be initiated.

More importantly, our credit history / score will not be tarnished with a late payment notation.