So, this week I had an
Then when I told them that with the increase in rate and the decrease in limit, my monthly minimum due was too much for me to handle because most of my payment was going toward the finance charges. Again, they said, "I am sorry".
I thought we were gettting somewhere since they were "so sorry". I was wrong. The man said there was nothing he could do for me. The minimum amount was due on the 17th. Period. I was getting irate yet trying to stay calm. I told him I kept my Sears card because they have always been good to me. He said..."I am sorry this is happening to you." Oh yeah...he was sorry alright. If he wasn't yet sorry, he was sure gonna be.
He finally said, "How about if I connect you to someone who could maybe explain why we can't do anything at this time?" Sure, that was just peachy. "But," he said...."before I do that, would you be interested in our payment protection plan that includes us waiving your payments for 6 months to a year of you becoming disabled or hospitalized or out of work? The cost would be $0.99 for each $100 of your balance.....the payment would be added to your balance so it wouldn’t be a separate bill…."
Aaaaaaaaand.....THIS is where I lost it!!
I said, "What did you just say??"
What I meant to say was THIS:
"What the fuck are you talking about?? Are you fucking serious?? I am trying to NOT pay as much on my bill yet you offer me a scam program that will up my balance causing my minimum to go up??? The minimum that I cannot currently pay? What fucking planet are you from?? Do you have even one goddamn freakin brain cell in that head of yours? Did they train you to be this ridiculously stupid or does it come naturally for you??”
****deep breath…trying to be calm…****
“So, no, SIR, I am not interested in your fucking payment protection plan, your credit scam plan or any other fucking plan you may offer unless it helps me to either NOT have to pay you another fucking cent, OR it causes you so much physical ailment that you need months of rehab at the place where I have to work a second job on nightshift in order to pay my bills in the first place!! “
“Because, MISTERASSMONKEY, if you were MY patient??? Yeah, you'd be oh so very sorry you ever uttered the words "payment-protection-plan" in my case. So, if you are done with your barrel of bullshit you are handing me, I would like to talk to your supervisor and get this matter straight.”
****just wait….not done yet****but feeling so much better already****
“If your supervisor is not as helpful as I think he needs to be, you can kiss your lovely job good-bye and call your fucking creditors so they can tell YOU how sorry THEY are for your fucking hardship!! Maybe THEY will offer YOU the payment-fucking-protection-plan due to your new-onset disability!! Ya never know!! So……Fuck you very much and have a nice day. Oh, and thank you kindly for NOT helping me on this glorious day!!"
Wow…thank you, Chief, for this opportunity!! You totally rock! If others haven’t been to her blog yet…hop on over, you won’t be sorry!
Have a day filled with