Thursday, April 2, 2009

When Others' Mistakes Hurt

While I have been busy with all of the vacation posts, life at the Wheelz home just kept rolling along.
If you follow me on facebook or twitter, you have been given a glimpse into the mess I have been dealing with the banks.
I was SOOO excited that for the first time in about six months, I was able to pay the mortgage on time for April. It felt so good to finally be back feeling responsible again...


I logged on to my bank website yesterday and found myself overdrawn.


So I looked at the list and found out that my paycheck from last week had been returned insufficient funds. So after a lot of running around yesterday, I found out that the company who does my company's payroll deposited all of the money into the wrong account, causing everyone to have NSF paychecks.

So then I went off to the bank and explained but they were unable to stop the fees so the fees started racking up and my boss says that they will reimburse all of the fees.

So then, I go on the account this morning, and the MORTGAGE company ALSO assessed an NSF fee, even though they took their money out and got the payment.

Shouldn't companies (and banks) understand that if someone is overdrawn, they obviously DON'T have any money and to punish them by taking MORE of their money is a little ridiculous?

Usually, these problems are from some error of my own, but this time I have to sit and watch my account go further and further into the red through no fault of my own.

And to top it all off, our mortgage got sold a year or so ago, and when it did, the DROPPED MY NAME off of the mortgage so now the mortgage company won't even talk to me if I try to call and get that fee reversed.

Sorry for the rant. It just makes me mad that when I finally got everything back in order, someone else's error still makes things go whacky.

In other news: Tomorrow starts Spring Break. I am not quite sure what we will do with the majority of it. There don't seem to be any specially priced events around here. I am planning to take the boys to play with their cousins for an overnight at some point and I have an obligatory visit with my mom I need to subject myself to. I guess we'll see what see the week holds.

Happy Thursday!


Dad of Divas said...

I am sorry that this happened to you and your family. I agree that it does not make a lot of sense to kep penalizing someone. I know that the Divas would love to see you guys if you wanted to come over for a visit sometime this coming week! Give us a ring!

Tammy said...

I'm sorry that happened. It always seems like it's one thing after another doesn't it. Hope the kids have a great Spring break! :o)

Timmy's Girl said...

Excuse my french, but this totally sucks!

Lifting you up in prayer and that all this gets worked out in your favor and that you are able to see God moving in even this difficult trial!

xoxo, Veronica in CA

Natalie said...

Yes that's ridiculous. I wish the banks would realize that sometimes the account holder isn't the one at fault. Unfortunately they'll just keep tacking on the fees but at least you're not responsible for it. Praying it gets ironed out soon

Courtney said...

Uggghhh...this stinks. I am so sorry & pray everything gets straightened out & soon.

Kila said...

Wow, how awful! What a nightmare. Hope it all gets settled soon.

One of my customers had their insurance policy canceled because someone scammed $900 out of their checking account, and then their bill payments all bounced. So upsetting, and what a mess!

bethn said...

Ugh! It always seems that when it rains it pours. We'll be thinking of you and hoping things get settled soon. Have a good spring break.

Deb - Mom of 3 Girls said...

We went through something similar back in January - and it was so hard to watch those fees rack up, even though they were paid back later. I hope everything can get fixed soon!