I hate car payments

I can not wait to get rid of this damn car payment. Not only do I have to pay these people every month, but they totally screwed me - with the help of my bank.

I made my usual car payment the normal way - check over the phone. (The closest branch is a 30 minute drive from here.) For some unknown reason they decided to take significantly more out than I authorized. (I could say that it is because the damn customer service people don't speak English, but that isn't very nice, so I won't.) I caught the mistake before it hit my bank, but after they sent it. The only way to stop it was to put a stop payment on the check.

Called my bank. Since it was an electronic check (meaning there is no check number) and not a paper check (with a number) the only way they could stop it was to put a stop on everything from this company - an charge me $30. Ok, fine.

Fast forward to today. I have been compulsively checking my account online, because my rent check hasn't hit my account yet. I have called my bank 4 times since the 6th (rent due the 5th) and even went in to ask them what happened. They keep saying that it hasn't come to them yet. I finally decided to call the rental office and find out what happened. She called back a few minutes later.

To make a painfully long story even longer - basically, my bank put a stop on all checks. All checks. Are you f-ing kidding me?

So my rent check as returned to the management company and I am now freaking out that they will not renew our lease. The manager said that all renewals go through corporate, and is totally up to this one guy - who I happen to know is a complete tool.

The bank basically told me to "prove it" when I told them that the hold was for the checks from one company, not all checks. Yeah... like I would put a stop on all checks.

So this little debacle is going to cost me - big. Not only did I have to pay the $30 for the stop check fee but I have to pay the fee that my complex's bank charges them and a late fee.

I can not even begin to tell you how mad I am.