True Tales of a Talker #7: The Car Payment Collector

I never did have much luck with cars.

My husband and I leased a vehicle knowing I would most likely be over the mileage by the time the lease was up. We were going to buy it outright so I tried not to go very far over the limit. Unfortunately, family life had its way for helping me rack up the miles. We didn't want to but sometimes it would be me making the trips back and forth to Auburn more than once a week. Those miles can really add up quickly but there was no other choice at the time. It was such a great vehicle and I enjoyed driving it. I was hoping to have it for a long time.

Until the engine blew up over just over 2,000 past the warranty and two days shy of the lease being up.

Fast forward through the arguing with the dealership, finding proof of the engine known for being faulty, negotiating with the dealership and then calling the head office of the maker of the vehicle and I was fortunate to be put in a used vehicle that I had to buy outright with the $7,000 for the new engine of my old car factored in. 

In other words, I got screwed.

While paying for the "new" used car, I got a phone call six months later on a Thursday asking me for the money to pay for the overage of miles. I had forgotten that was even a thing. Since it went back to the dealership (and they auctioned it off for the bargain price of $4,000), it was completely out of my mind. You can imagine the shock of thinking there is another bill to pay on my already stretched income. They wanted $18,000!

At four o'clock in the afternoon the repayment center shuffled me around from representative to representative until a woman came on the line by the name of Audrey M. She listened to my story, the sniffling and the down right ugly crying. Do you know what the first thing she said to me was?

"Miss Sharon, I am going to make something happen for you."

And I believed her.

After forty-five minutes of sitting in my car talking to her and relaying the story of what had happened with the vehicle and the true situation of our finances, we connected with her supervisor, Carol. 

Little did I know how incredible that "something" would be. 

Miss Audrey had me retell the story to Carol. Then they said they were going to place me on hold. After being on hold for another twenty minutes (but being updated every five minutes that they were still working on things), Miss Audrey came back on the line. She said in a hushed voice "Now, I know I shouldn't tell you this, Miss Sharon, but your story touched me. I know what it's like to be in tough situations but I can tell you have an honest heart. I can tell you're not one of those people who would lie into getting a better deal. I can feel that from you. So I talked with Carol. Carol's last day at her position before taking the next step in the company is tomorrow. I asked her to do the impossible for you. And she did."

What did she do?

I was informed that she would cut the bill by eighty-five percent IF I could pay twenty payments of a negotiated amount of just over one hundred dollars a month.

That was it? 

What about the rest of it?

The rest would be forgiven. 

While still on the phone, Miss Audrey sent me the paperwork to sign. I signed it and sent it back by email right away. She then sent it to Carol who signed off on it as well. They sent me a copy.

Carol then came back on the line with us and said "This was my final act as supervisor. I think I made the good choice by making this deal. Everyone needs a break sometimes and, after talking with you, I can tell this was the right thing to do." She wished us well and hung up.

It was like a miracle!

Every month for the next twenty months I called Miss Audrey directly. She gave me her extension and I made the monthly payment with her. With each phone call, she would ask how my family was, how my band was doing and if my work was going well. In the thousands of phone call she received each month, she never forgot me.

And I'll never forget her.

The Difference Between Your Homeowners Insurance With and Without Flood Insurance

With all the heavy rains that have happened in the last two days I was curious what kind of damage is covered by insurance. Many people who buy a home where no lake, stream or river is located nearby often opt out of flood insurance seeing as the likelihood of a flood happening as virtually impossible.  I spoke with my insurance agent Scott Doyle of First Insurance of Maine today and he gave me a little insight of homeowners insurance and what it covers.

He has received an influx of calls dealing with residents that have, unfortunately, endured damage to their basements and living quarters due to water seeping into their homes. He informed me of what your insurance covers and why.

A standard homeowners policy will cover water damage due to a leaky roof or if the sump pump in your basement fails. HOWEVER, if the damage done is caused by water flowing into your basement from holes in the walls or seeping up through the floor then that is NOT covered by the standard policy. Those types of damage require FLOOD insurance.

That’s right.

Even if you don’t live in a flood zone, the water coming into your house by these methods is caused by flooding. What happens with the heavy rain is that it finds and makes paths or tunnels through the snow due to gravity. Water will make its own trail to get to where its going. The trails lead toward the walls of your home and, ultimately, to the basement of your house. The water will eventually find the weakest point of your foundation and break through. The tunnels can be on the sides of your house and even underneath. The water that enters this way is considered to be caused by a “flood”.

And if you don’t have flood insurance on your home, the damage won’t be covered. That means if your furnace is damaged: it’s not covered. If your washer and dryer are damaged: it’s not covered. If your items are stored in cardboard boxes, whatever you have will be destroyed. If they are stored in plastic totes they have a better chance of surviving but, ultimately, they won’t be covered either.

Do yourself a favor when purchasing a home: see how much extra a flood insurance policy is. You never know what might happen. A small monthly payment could save you thousands of dollars.

A Quick Tip In Preparing for Black Friday

It’s the same every year:

You can’t remember that toy you wanted to get for your child. You recall seeing it on the shelf once and saying “I’ve got to get that for little Tommy for Christmas!”

Then on Black Friday you’re racking your brain for that particular item.

Poor Tommy.

It used to happen to me all the time but I have a quick tip that has solved my problem.

Use your cellphone.

I’m not kidding.

When I see something and can’t pick it up right away, I enter it on my cellphone.

On the date of Black Friday, I enter the child’s name and the toy/object/clothing I want to purchase. This way when I am searching the web for the best discounts, I know what I’m looking for. I have even included my husband in the process. I tell him if he sees anything he wants to get the kids or if they tell him something they would really like--to let me know.  I plug it into the date on my calendar and it’s all there! This works for birthdays, too!

Some use their notepad feature or other app on their phone but I find my calendar is the easiest way.

I will make the suggestion of routinely backing up your phone. If it’s good for your contacts, it’s good for your lists!