You’re Insufficient

Going through an old topic list for my blog and I found one about insufficient funds fees that was connected to an earlier blog about check being cashed a month and an half after I had written it. It had wrecked my finances only a week or two before Christmas. My friend just had the same issue because of a miscalculation, but it did remind me to write this post. Shortly after the checked cashed and the Burger King bounced, (here's that post) I realized what all had went wrong. The credit to my account that was suppose to be in there didn't post for at least a week after I had returned an item even though of course they took the money out of my account the very instant I purchased it. Well I had also needed gas that night when I had returned that item, but I should have had money in the account because there was not suppose to be check. So I got charged $25 for -$0.63. Then I also got charged for gas another $35 fee plus the $20 or so for the actual gas. I want to know what gives people and banks the right to charge such outrageous fees on people that obviously didn't have the money in the first place for them to charge extra to. With all the technology and tracking of information we have now, they can know who the serial offenders are and who just made an honest mistake and who just got hosed for someone else being wrong.

This brings me to the next point. Your bank charging you a fee when you cash a check from someone else and it bounces. What the hell kind of bull shit is that? I have know people whose pay checks have bounced and they have already paid their bills with it before it had came back is bounced. I am sure you can guess what, but I will say it anyway. They get charged a fee for the bounced pay check, all the money from the check is taken away, the checks for the other bills bounce, and they get charged a fee for each of the bounced bills, and not only does that happen once, but it keeps happening because the people they owe their bills too keeps trying to cash the check and each time they get an additional fee. It doesn't matter either, everyone says oh just call, you bill people understand. That is a load of crap and most of them are just out to make money so why should they help you. Even if you do call, oh they didn't get the word in time or some other form of hogwash but they don't stop trying to cash it. You can tell them to toss the check you will send another, guess what. They don't, they cash them both. They think just because they post a little warning that they should be allowed, but I think it is wrong. Why should a person be charged by the bank and the retailer for an honest mistake? $0.63 in the red cost me well over $60.00, and if you don't call a 2 ½ month old check an honest mistake I don't know what is.

Buying Furniture: Conclusion

Our bed finally arrived. The same guys that set up the first had come back to drop off the correct one, and boy did he get a story. A couple weeks after we had initially bought the furniture we get a phone call from our finance company. My husband has used than over the years for a variety of things and is a valued customer to them. They hadn't approved us for $4,000, they had approved for only $3,000 and were refusing to add the extra $1,000. We were also informed the same sales guy that sold us the furniture had told our financier that was fine if they didn't provide the extra $1,000 that he would just have another company do the $1,000 because we had discussed it in the store. For those interested here was that conversation, Me: "Ugh, 'other financier'." Him: "Do you know them?" Me: "I hate them." (Personally I have never done business with them, but an ex had financed a computer for his family through them and they were a pain in the rear section.) I am trying to figure out where in that conversation he got the understanding it would be fine to finance with them. Our financier informed him that he will not do that, the finance company would inform us not to sign anything to cover the extra $1,000, (Which they did, right after they hung up with him they called us and gave us this whole story.) the furniture company would eat that $1,000 and we will all go to court if we had to make sure they would. FINALLY someone on our side! Besides my husband being such a valued customer, and them knowing that he would pay his bill even if they added the $1,000 it seems this salesman had done that three other times in the past week to the finance company, and they had had enough. He had continually done it to a different branch of the same finance company until they had stopped doing business with that store. Now we have to call the corporate offices again. They had removed our bed from the cost of the furniture which was going to save us $300 or so but we had not signed the new paper work as of yet for, but now we had a whole other issue. We had received this phone call in the car. No sooner had we gotten home was there a call from the financier that was going to cover the extra $1,000. Now he had given out our personal information as well.
To make this a little shorter, they dropped the extra $1,000, and we finally got our bed a couple days after they said it would arrive, and everything is going good now.
And the salesman you may ask? He still works there. According to the VP he is the best salesperson they have. So it seems that even if he costs them $1,000 here and there he still brings in enough for them to justify not firing him. My husband said if he worked for him he would have been long gone, but to each there own we guess.