It Can Always Be Worse

Well folks what happened last weekend wasn't  my typical "ahh come on" moment, but more of an "ahh ha, Lord I'm listening."  Here's my story...

My car has been good to me. I've had it for 10 years and recently had to spend more than $600 on repairs. I am one of those frugal people who would prefer to ride the car until the wheels fall off. But this time, I caved and said to my husband that we should go to a dealership to see what they would be willing to offer on a new car. With the "Cash for Clunkers" deal, I was hopeful.

I walked in the dealership with my "I am not, I may and I certainly wont" 's all in tact. I was not going to lease a car because I drive approximately 50 miles per day (total, to and from) work. I was not going to pay a lot per month, but I was willing to consider about 50 bucks more than I wanted to pay. Those were my rules and final offers. (LOL)

All and all, we went to the dealership and LEFT after having decided that it would probably be cheaper to get the repairs and consider a car loan next year.

I haven't had a car payment in more than five years, so I was not going down willingly. Plus, with cutbacks at work, decreased hours (to avoid layoffs) - it just didn't seem like a good time to buy a car. So like I said - we left.

My husband and I sat at a red light COMPLAINING ABOUT EVERYTHING! From the car to work to politics to wanting more out of life...and on, and on, and on - we just COMPLAINED!

While in our silo of complaints, ironically, we sat patiently at a red light waiting to make a left turn. We made ourselves useful and complained more. [smile]

The light turned green. We sat there for about five to 10 seconds. Before my husband hit the accelerator, a pick-up truck came barreling through the red light of the cross street. We had no clue the truck was coming and would have just pulled into the street to make a left turn. The truck was going at least 50mph and would have slammed - right -  into - us.

My husband and I played out how horrible that situation could have been. There was a young family also about to walk across the street.

Here we were complaining about having to make repairs on a 10-year-old car that technically needed a tweak or two. Paying car repairs is nothing compared to the financial strain of medical bills or more importantly, the loss of life.

We humbly accepted our lesson and noted, "It can always be worse."

Mickey

Careless Whispers

My dad was driving with my niece in the car. Someone cuts him off and completely forgetting that a human sponge was sitting in a car seat behind him, he calls the driver an "ASS." But knowing my Dad, he didn't say it in quick flash. He said it nice and slow. Kind of like sounding it out but with confidence and extra emphases on the ending "s."

Guess what? My one and a half-year-old niece then says, "A-s-s."

We already think she just short of genius. Her parents spend a lot of time with her teaching her letters and molding her young mind. Here's the kicker: As the aunt whose sole purpose is to spoil, play, tease, and be silly - I called and asked to talk with her. My sister (standing next to her) handed her the phone.

Niece: Hey tee-tee

Mickey: Hey love, I miss you

Niece: I miss you too

Mickey: Did mama tell you what A-S-S was? What's A-S-S?

Clear as day she whispered (with a smile) - assss.


My sister gets on the phone and says "you hear she whispered it because I'm standing here and she knows she's not suppose to say that!"

Somewhere in between she heard us spelling it while talking about her, and like a sponge, picked it up.

Of course now we lend no emotion to it so she emphatically knows not to say it, but I must admit...it was hilarious.

Mickey

Chase THIS!

Yes. That's right. I'm giving you, CHASE, the finger. And to those who occasionally make deposits without using online banking, I salute you.

Here's my story...

I know some of you are not willing to admit this, but, I will. My account was overdrawn. There it is. I said it, yes - OVERDRAWN.

So, it's 6 pm PST and I feverishly go to make a deposit at the ATM (or what some of us Midwesterners call the CASH STATION). I pull up, hop out of the car with envelop in hand, dial my digits and ...what's this? There isn't an option in the ATM menu to make a deposit. Who has ever seen such a thing?

ATM options:

Transfer
Withdrawal
Check balance
Pay something
Scream
Cancel
Pay a fee (OK not this one but I'm on a roll here)


Since this is an account I rarely use (that's my "I'm responsible, don't judge me disclaimer"), I wanted to take care of this as quickly as possible and be on my way. This was an account that I opened in another state before relocating. Here in lies the problem.

Let me back up to the weekend of July 26, 2009. Apparently, this was when Chase would convert all WAMU customers to Chase accounts. I tried to make a deposit that weekend, and the deposit option was again missing. I called Chase and a rep told me to try another bank, of course I did. After three attempts (two banks), I decided to wait until Monday. Monday morning (9am) I go into the bank (that's now only open 9am -6 pm Mon-Fri, unsure about Sat.hours) to make a deposit. I informed the teller of the missing deposit option, he then told me, "Oh that was just for the weekend."

Fast forward to today - I called Chase in a HOT FIT OF RAGE and talked to someone who then had to transfer me to someone else. Five minutes wasted. The next Customer Service Specialist (CSS) I talked with, I explained that this unleashing was not directed at them personally (Side note: I used to be a CSS in another industry and understand how customers can misdirect their anger).

The CSS informed me that they (Chase) had no idea that I'd originally opened my account in another state [and therefore would not have been notified me of this inconvenience and/or other changes as a result of this Chase / WAMU merge]. DOES THIS IN ANY WAY SOUND CONSUMER FRIENDLY?  How would I know they (Chase) didn't know the specifics of my account? I mean, don't they own it (figuratively speaking)?

So... not only have the bank hours changed but for three months, I have to go into a bank to make a deposit. First of all WHO GOES INTO THE BANK ANYMORE!?

Here is what I know from the rep:

• Although all WAMU banks are now Chase, specific states are not completely converted to the Chase system 
  
• Chase sent customers a welcome kit, which did not include the information that deposits could not be made at an ATM in California until OCTOBER 24, 2009.  What an inconvenience!!!!!!!!!!! There are five other states in this group including Arizona.
  

Here is where I used knowledge from a past life and deductive reasoning:

I think Chase may have failed to pull a list of customers who opened a WAMU account in one state and  relocated to another.What a failure on their part if they did overlook this. I'm writing a letter to the corporate office. There are lots of inconvenient changes happening and why should the customer suffer. Granted this may only affect a small sect of customers (or may be not) - the inconvenience is worth mentioning.

Mickey (very teed off!)