Earlier this year I lost my job and it has taken me most of the fall to get caught up on most of my bills. Last month I got annoyed with the guy who works at the finance company that carried the loan on my car. He knew about my situation but still called me daily with nasty phone calls. I went to make a payment and the conversation went something like this.
Me: You know I’m trying my best to get this loan caught up but calling me everyday isn’t making this any easier.
HIM: Quit giving me excuses, pay this in full or I will have your car repossessed.
ME: Now come on is that necessary? I’m only one payment behind now. I think you have to be at least 3 months past due before you can repo my car.
HIM: No I can have it towed if it is one day past due.
Me: Oh yeah you can’t do that.
My payment was due on the first.
At midnight of the second I looked out to see what the dogs were barking at just in time to see my car going off down the driveway on the back of a truck.
Bottom line I had to pay $1600-4 months payments, last month’s, this month’s and 2 months in escrow, $275 for impound and storage and when I picked my car up it had been ransacked, everything was dumped out in the floor and my CD player is missing. AND the repo guy talked to me like shit and told me he did me a favor by tearing my car up to make sure my purse was in it. Otherwise he would have taken it to the auction lot where it would have been robbed “by the low-class bums who work there for $5 an hour”. I figure he thinks it was better to be robbed by such high class scum like him.
Merry Christmas to me. There went my christmas budget. I guess I can always pawn the ring my mother left me in her will.
So tell me how do I get some christmas spirit after this?
Merry Christmas to me.