A conversation at the bank

Sorry it's been so quiet. It's been a crazy week at work this week. This weekend is the funeral of a good friend's father, as well as the memorial for my father in law. Let's hope the rain holds off.

I went  yesterday and put a $200 lump sum down on the vehicle loan. I ended up with the same teller who messed up my appointments for RRSPs in January. Makes me want to gnash my teeth.

Teller: How can I help you today?
Moi : I would like to put down $200 as a lump sum down on the principal of this loan (Hands her loan number, my ATM card etc)
Teller: I just need to verify your name (hands her my ID thinking yeah they must get a lot of strangers trying to pay lump sums down on other folks' loans. The nerve LOL)
Teller: So you are paying on your regular amount?
Moi: no, I said I am paying a lump sum on the principle. It's different.
Teller: Well you have  a regular payment coming out tomorrow. Are you sure you want to pay extra down?
Moi: No I had a regular payment come out on the Wed. (Well actually I checked the account repeatedly that day and it came out sometime early in the morning on the Thursday)
Teller: No it says here that you have one coming tomorrow.
Moi: No, my payment date is the  5th.
Teller: (getting annoyed with me) Yes and that is tomorrow!
Moi: No, the 5th was on Wednesday. Today is the 7th.
Teller: Eyes glaring, keyboard frantically clicking. Oh. I have my dates wrong.
Moi: (being generous)  yes well it is Friday
Teller: so why would someone want to put a lump sum down?????
Moi: So that the loan is paid off early.
Teller: Are you having trouble making your payments?
Moi: No, if I were having trouble making payments I probably wouldn't have extra money to pay down the loan. Paying it off even one year early saves me about $1500 to $1700 interest.
Teller: Oh, I didn't know that.

I did take the offered balance statement and I came home to check online that it was done correctly and not just prepaying part of next month's payment. I even kept a smile on my face and used my patient lil teacher voice with her when I really wanted to snap, just a lil LOL