fighting the man

I am just livid right now because my mortgage company charged me TWICE for my mortgage payment, sending my account into the red. They’ll reverse one of the charges only if I fax them over my bank statement. Here’s the kick to the utero: my bank statement will show these payments TONIGHT and the bank cannot do anything about the inevitable fees until those payments are posted. So here I am, with nothing in my checking account and two companies that are quick to take my money and disabled in returning it.*

Also pissing me off today? The multitude of catalogs filling up our mailbox addressed to my husband’s ex.

*Edit: Expedia did the same thing to me last year. I hope you do not use them this holiday season.

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  1. i was having this same discussion (the mortgage payment, not the ex) at work yesterday…

    pisses me off…

  2. Oh wow, that’s infuriating, especially at this time of year. Our mortgage company has been upping our payments the last few months to account for our property tax bill and annual home insurance bill. Which I didn’t realize for at least three months. I didn’t understand why suddenly we couldn’t pay our other bills. It was enough to make me want to puke. I hate having money of that large a sum leaving my account every month. It’s kind of depressing. And the American way.

  3. That is so wrong! (Both things.)

    Things addressed to exes are fair game to burn in my world. Just sayin’.

  4. hello insomnia says:

    biddy: argh!

    jen: This is the worst time of year to have this happen and I could tell that the bank customer service and the mortgage customer service folks could care less.

    shelly: I need some kindling. Thanks for the suggestion.

  5. Chickenbells says:

    Welcome to the computer age. My mortgage company “lost” a $13,500 check once that needed to be applied to a second we took out so that we didn’t have to pay PMI…morons. I was on the phone everyday for 3 months and finally got some girl who just transferred…and said, “hold on” got off her ass and walked over to a box of checks they “didn’t know what to do with” and found it…It was sent FROM the mortgage office here in town directly to them…I hope that this gets resolved without you having to bash some heads…


  6. Pretty much theft in my opinion. They should at least give you some kind of credit for the hassle.

    anne at

  7. can I punch “the man” in the nuts?

  8. What I’d like to know is why it is YOUR responsibility to send them this documentation when they can CLEARLY see that they took the pymt out twice! Makes absolutely NO sense at all (this did happen to me once a few years ago and I had to do a lot of work to get it right – RIDICULOUS).

  9. Mrs. Blogoway says:

    Make sure your bank refunds those fees.

    My book club just finished “Women and Money” and Suze Orman says you shouldn’t have to pay a bank anything for them using your money. Make sure your checking account is free or tell them you’ll move your money somewhere else.

  10. Butrfly Garden says:

    I sent myself in the red just before Christmas. We both have our own accounts, but most of our money goes to the joint account. I just forgot to transfer my check over and ended up getting overdrafts. I called the bank because (I used to be really bad with my account) I know they’ll overturn one fee a year. I was really sweet to her but she was a real bitch to me! I hate dealing with banks at all. Like covering that 5.45 my hubs spent at the gas station should cost me $40 and a stern “talkin to” from the bitchy CSR.

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