Lack of patience? Or just fed up.

This weekend I had the joy of shopping in Wal-Mart.  Not a really unusual experience as this is where I end up most of the time.  However, this time I was buying two movies (with my personal money) and had looked at the cost the day before so I knew how much they should be.  Imagine my surprise to see one of them $5 cheaper! So I grab the movies and head to the counter along with the few other things we had stopped in to buy (charcoal mainly as they were running a sale).   She rings everything up…and its $5 more than I expected.  I politely question the movie that was marked as full price on the little price thing and she rings for a CSM.  5 minutes go by, a line is building up behind me and there is no CSM on the way.   I just handed her the money as I *hate* when a line is building up behind me and stalked out of there.  (Okay stalk is a harsh word as it wasn’t her fault and I recognized this but I stalked out in my mind.)

Could I have returned the movie? Yes but honestly, I went in there thinking it was full price.  It was a pleasant surprise to see it marked $5 cheaper and I had the money anyways.  It was more the fact that this is the 3rd time this has happened to me in the last 3 months.  The first was my Brita Faucet Filter-the advanced models were under the tag for the basic model and were $10 cheaper because of this.   I couldn’t find anything that said “advanced” or whatever on the tag and compared the other tag (with the basic models under that tag) to the cheaper one.  Couldn’t find a difference and as all the models matched, we thought it was a special sale.  It took 15 minutes for the CSM to answer that call and another 5 minutes for her to bring us the “correct” model.  So I took the basic model as I didn’t really care about the differences and mainly just did not want to pay an extra $10.  She even stated that everything was tagged incorrectly but she was fixing it now.  If I hadn’t spent 20 minutes in the store waiting on a response, I might have argued it farther about the fact that the entire shelf was marked and I wanted it for the lesser price.

On the next trip, I found a bag of charcoal for $6.48 which was $2 less than it normally was.  We bought two bags (we go through a lot of charcoal in the summer) and got out to the car before I looked at the receipt.  It was rung up as $8.48 for both bags.  We went back in and the lady was changing the signs to $8.48 and was mentioning to another worker that too many people had caught it and this was the last one.  Remembering the fuss from the last time, I decided to take my $4 loss and go away.

Sadly, out of the four grocery stores in the town that I live in, Wal-Mart is the lowest priced and most convenient for us.  And it’s only most convenient in the fact that it has everything we want in it so I don’t have to make multiple trips.  And I do know that mistakes happen and things get mistagged/priced but I also know that when I was working retail I had to honor certain things.  Entire shelf labeled as one price? Signs hung up wrong? Both of these things were to be honored if a customer brought it up and we could clearly see what they were talking about.  (If I would have found only the advanced model I was holding under the cheaper tag and everything else was the basic model? I’d have assumed a customer put it in the wrong spot and picked up the basic to begin with. Same with the movie.) It doesn’t exactly matter as I’ll still be there shopping this next weekend but I will still be peeved about it.


Seriously I hate my student loans

Granted I messed up in the first place by not paying them off or at least not getting them put into forbearance.  But seriously: the amount of issues I just had crop up regarding the consolidated ones are so very frustrating.

First off, let me just say that I’m glad I haven’t been ignoring my mail again.  I’ve wanted to sometimes but remembered that was part of what got me into trouble in the first place.  Instead, I’ve been opening it up and reading it right away.  Some gets put into a pile to deal with later (bills that aren’t due yet), some get put into the trash as they don’t have any relevance and some get dealt with as soon as possible.    Last Saturday, I got a letter that went into the last pile.  I had to wait until Monday morning at 8am eastern time to figure everything out.

What was this letter? Why it was from the company I’ve been dealing with for a few months, explaining that my wages were going to be garnished as I’d been ignoring them.  I had a mini heart attack, I swear.   First I went over to my pile of “file this away (not in the trash but my real file) as I’m done dealing with them.” (Pack rat tendencies mean I won’t throw things away until I feel comfortable that the situation is dealt with…this will probably be next summer) I noticed that the address was different, the main account number was different but everything else was the same: which loans it was, how much they were for (though they were decreased in number on the new letter slightly as I’d been paying on them) and the phone number.  And yes you read that right: even though I’d been paying on them with that same company and it showed by looking at the total balance from month to month, I was still going to be garnished for failure to pay the company.

So then I had to stew on it for a day and a half as I’d missed the cut off to call them on a Saturday.  And by only an hour! (Stupid central time being behind…) Monday morning I call bright and early—they look at both accounts and say they have no idea how it was given a second account but that I wasn’t in any jeopardy of getting my wages garnished as it was fully funded.  Both accounts were actually fully funded. (I did go check out my consolidation site to make sure they weren’t in there double at this point.  They weren’t.) They did not know why I was receiving the nasty letter as I’d been paying them on time ever since we came to our agreement.  I wrote down the customer services agent’s name, the time and the date of the call just in case anything does happen though. Especially since the rep said that the accounts were funded and closed.

I went home happy that it was all a misunderstanding and received yet another letter from the company (with the normal account number this time) telling me they were withdrawing money from my account in a few days time.  Which if you remember that dilemma I was having I would have been okay with—except for the fact that I was just told that my account(s) were funded and closed with them.  The money would not have been applied to anything or if it was, would have taken a few days to get it to the correct people. So I called up again to enquire about the letter.  This time I was told that the letter was auto generated before the account was funded.  I hope so…

I can’t wait for this entire issue to be fixed! And yes, it is partially my fault for getting them messed up in the first place (read: defaulted) but I am trying to get them fixed.  But it doesn’t work when they just send out random info!


Student Loan Number 1

I wasted so much time last Thursday….

My first student loan is now officially out of default status!!!!  (The quadruple exclamation points show how excited I am) It should never have been there in the first place but that’s a previous mistake.  Except….it almost didn’t get paid for this month. I’d have been upset as I’ve worked really hard to get it out of default and didn’t want it to get placed back in default and according to the loan rehabilitator that I was working with, one missed payment would send it back into that icky status. I’ve been waiting on a statement from the company who bought it as I was told this should happen in a few weeks after it was rehabilitated and it was rehabilitated at the beginning of May. (In fact, the payment that was processed in June was considered an “overpayment”) I never received anything—and no payment was taken out of my account for June.So I gave them a few days what with the 29th being a Friday and then July 4th occurring to see if they would process my payment but still nothing!  After a two-hour period where I called one company after another, I finally found out who I should contact.  Keep in mind that I had to verify my address with every single phone call.  I finally get in contact the company who owns the student loan and verify my current phone number and work phone number with them.  The address is one from 5 years ago.  They did find it funny that all the letters they sent to me were returned to them though.  (*eye roll*) And then I find the payment jumped up about $110 more than was agreed on with original collector and was due in two days.  Ha, funny.

So I talked to a customer service rep and was able to put it into forbearance for 6 months.  I want to do the 6 months and not the year as I really am trying to pay these student loans off.  I’m just not going to be able to afford this larger payment right away.  So I figure if I continue to put aside the amount of money into my account that I pay this off with, I can pay on some of it as I can and work my budget to be able to afford the larger payment.  Another reason I want to wait on reworking the budget is that I am still waiting on that news for the other student loans I have.  I’m hoping to hear from that in a few weeks—this will give me a much better idea on how much I need to budget for.

To sum up: not a good experience with the company who bought the loan at first but they’ve redeemed themselves! My new plan is to try to pay some of the student loan (which is actually two loans but lumped togetherish) while it is forbearance. And then to find out how much the other student loans will be and get my budget worked out.  I’m glad that my plan is working out so far and I’m moving in the right direction to get out of debt.


I Hate our Internet

Dear AT&T,

You are really making me upset.  First we had this issue, and then this issue.  Now we have the issue of our bill.  We cannot log into view our bill online because for some reason our account is set up under the primary user?  Well, it is.  Oh and now we are locked out but can’t get it reactivated until the problem with our account number is fixed.  And every number I’ve been giving closes at 5pm.

Then, every single time I have called to get something fixed I am asked about our account number.  When I say it, I’m asked if it is in IL.  We aren’t living in IL, we live in KS. I’ve asked this to be fixed and apparently it still isn’t.  In fact, the online guy that I spoke with wasn’t even able to find my account number at all.  And yet I’m staring at my bill and my account number is the same one I just gave him.

Speaking of my bills—we are being charged for a repair from January that we didn’t even order—we haven’t had to have someone out here since December.  And we already paid for that on our last bill.  We didn’t think that we should as it was supposed to be free installation but we sucked it up and paid it.

Look, we went with you because friends of ours were giving really great reviews.  We like your internet speed and our happy with that.  Your customer service however, does nothing for us.  I really hope that it get’s taken care of this time.  72 hours until we get a resolution? I hope so–this needs to be taken care of before we are scheduled to pay our next bill.


Sunday Morning Fun Ramblings

This post is going to be just a few things I’ve noted this weekend.

First thing: I sleep with my hand curled under my cheek.  This would not be a problem if I hadn’t just had my wisdom teeth removed.   It hurts a lot and makes mornings “fun”.   But the pain is mostly gone so yay to that!

Also, I updated my progress bar for my bank fund.  I’m excited about this.  I need to start figuring out which bank I will want to go with once I have this debt paid off.  I’m thinking the same one as my guy to make things easier but I still want to research it.  (I will love not having to pay $3 to cash my check every time!)

When I found out my guy got the job, one of the first things that popped into my mind was that I was going to get to play with my budget!  When his mom found out that he got the job, one of the first things she said was “You must be so excited to get to update your budget!”  Apparently my love of budgets is well-known.  I’m horrible at pay periods so I don’t really know exactly when  I will get to update it but I do know that his current job worked with him on when he could start at his new job.  So we are both really, really excited about the fact that we are going to get to start increasing our debt repayment savings and our savings in general.  One thing we need to buy him this time is khakis or jeans.  He has one pair of jeans that are not business casual–they have some wear on them and he has no khakis.  He does have a few nice black slacks to wear for Monday to Thursday though.  He thinks he’d rather have the khakis as he can wear those on Friday as well (in case I haven’t mentioned it, Friday is the one day we are allowed to wear jeans).

The other thing of note happened yesterday.  The dentist hadn’t prescribed me anything for pain but was thinking that Tylenol would do the trick.  I tried it for the day and it did not.  I called him Friday evening to let him know and on Saturday morning he called in a script for me to pick up.  When I went to pick it up, I turned in my insurance card as I haven’t picked up anything with insurance yet.  The clerk who helped me came back and said, “Well, that only took off $1.30. ” Now I know it might not be a whole lot for her, but every little bit I save helps us out.  When I gave my insurance cards I didn’t even know what it would take off, if anything.  And it keeps it on for future reference.  So I was  a bit taken aback about the clerk’s attitude–she acted like it was a horrible thing I did by giving her my insurance card.  But I decided I also didn’t care about her customer service skills.  I would be out of pain and at home soon enough!

How was your weekend? Any notable news?


AT&T….Again

         Wow, AT&T and I are just going in circles.  I really enjoyed their customer service after this incident and this resolution.  Then, they changed the service activation date 3 separate times.  The final one said that it would be turned on after the 20th.  So here it is the 22nd and no internet.  We tried calling after 8 pm on the 20th—following instructions on the final letter.  It was closed.  So we try calling yesterday at 5 pm-closed.  I’m mildly frustrated by this point.  I direct dial the web support and get an awesome lady who transfers me to the wrong zone’s 24 hour hot line for tech support.  (I’m not being sarcastic about her being awesome; she was very, very helpful and transferred me to the wrong one by mistake)  The lady at this zone got me connected to the correct zone’s 24 hour hot line. 

                This is where the issues started again.  I will not mention names but will explain what happened.  I tell her that we had opened the latest activation date and tried calling the other day but the point is that we still do not have internet available to us.  She checks the lines and other stuff—we should be good to go.  This is where it started to go south.  She informs me that they only turn on one phone jack and I need to make sure that the DSL line is plugged into the correct one.  I tell her that we only have one phone jack in the entire house.  She starts to ask me over and over again if I’m sure about this.  After the 5th time, I tell her, “Look, it’s a small house; we just moved it and cleaned it from top to bottom.  I’ve looked while on the phone with you—that’s how small this house is.  We only have the one phone jack.”  I’m told again to double-check.  This made me a bit testier.  Finally she tells me that they will send a guy out on Friday who will check the outside lines to see if something is wrong.  However, “when…er… if” nothing is found to be wrong with the outside lines (and I’m serious she said “when” and quickly corrected it to “if”) that he would need to come inside.  I give her two separate numbers to reach my guy at so that he can run over there if needed.  She than tells me that if the guy has to go in the house and he does find a second jack that we can be charged for this service.  I tell her once more that while I understand that, there is no other jack.  She says “okay but if there is, you can be charged $110 and it will go on your next bill.”

                So we’ll see what happens tomorrow.