So I called Wells Fargo. Boy, what a flashback as to WHY I don’t bank with them any more.

I called to find out if we could take 2 or 3 payments and tack them to the end of our loan. I figured given our sterling payment history (not kidding, even these last 6 months, they have been the people we have paid ON TIME), it would be a no-brainer.

NOPE. Reason? WE ARE UNEMPLOYED. They will only defer it once we are back employed.

I said, so let me see if I get this straight. If I don’t pay you for 60 days, and then we are re-employed, you will take those 2 payments and tack them to the end of our loan. (yep). But you won’t do it proactively? (yep)

I said, WHAT KIND OF IDIOCY (quote BTW) is that? He goes, “well that’s our guidelines.”

I said, well, then our conversation is over, and I guess you don’t need to call me in 45 days to find out when I’m going to pay you.

He goes, w-e-l-l-….I guess what I could do is change your payment date, so instead of being due on the 6th, it would be due on the 21st. But that’s the best I can do.

I’m like, fine.

Then I told DH, so I guess Wells Fargo just went below the line. I will make sure they never get to “was 30 days” status (he is so freaked out that our “credit rating” (puh leaze) will be damaged) but I’m no longer going to worry about them being paid on time ever again.

When DH broke his back years ago and was out of work for 9 months, I had enough $ to pay rent and the car pmt or rent and utilties etc (we didn’t have any real debt way back then), but not both.

So that’s what I’m going to do now. Pay Rent & 4 walls one month, pay rent and car pmt the next.

Just sheer lunacy on the WF’s part. And they can’t figure out why people hate big banks.