Once upon a time, I married and moved from Massachusetts to Tennessee. I cancelled my auto registration and insurance policy, registered the car in Tennessee and the insurance policy was done with the agent my husband had used for years.
A month or two after moving, there was a letter from the Massachusetts bank at which I had closed all my accounts, seeking a payment on an overdraft line of credit for the closed checking account. The cancelled auto insurance policy had submitted an automatic bill to the old checking account, which was paid despite the account being closed. The zero balance triggered the automatic overdraft protection and I received a bill for payment. Despite all my careful preparations before leaving the state, things still went sideways thanks to that automatic bill payment situation on a closed account. It took months to get it sorted, and that is why I refuse to let my utilities and loan bills go straight to the bank for automatic payments.
Fast forward to now. After the bank merger and career-derailing layoff, I have chosen to divorce my financial accounts from the former employer and go with a local credit union. Petty? Maybe. So far, the exercise has taken about as long as a marital divorce.
Before the merger and my unemployment I opened new accounts and over the summer I began setting up the payment accounts in the credit union's bill pay program. Mostly it's been okay. The process works for me because the amounts aren't always the same and sometimes there are errors. Entering monthly payments into the bill pay system flags differences for me. If it was all on autopay, I probably wouldn't catch it as quickly or at all (probably what the companies are counting on).
For the past two months, my Verizon bill was withdrawn from my new checking account at the new credit union in a timely manner (as directed by me). And for those two months, the payment has not been posted to my cell phone account. The first month I was alerted to the issue by a text declaring my payment was late. This time, I was on high alert, hawkishly monitoring the checking account withdrawals and visiting the account sites to verify the payments (yet another new hobby). Things seemed normal with the cable, electric, and car loan all working as expected. Today, I checked the cell phone account to verify the payment was made on Friday (before the due date which fell on Sunday). Yes to the funds being withdrawn, but no to them being applied to my cell account. Again.
Armed with the credit union confirmation number and proof of payment letter, I called Verizon to check on the situation and ask if there is in error in the payment instructions or some other problem. They don't show receiving the payment and claim everything is working fine on their end. The Verizon rep tried to sell me on auto-payments, but the major screw up with the insurance company, closed checking account, and overdraft protection soured me on that method forever. Then she tried to sell me on paying though their app, but setting up all the bills for online bill pay is much easier at one site than visiting individual apps for each stupid account. I would greatly prefer that we resolve the problem involving the payments that have already been made so it doesn't happen again.
The cell rep offered to connect to the credit union and I thought they were going to have some tech talk, and suddenly I was on the line with the credit union rep who claims everything works great on their end and the payment was sent. So here were are. The two companies claim things are working great, the money is deducting from my checking account, it's not posting to my cell account and I'll probably be assessed another late fee, and nobody but me seems interested in figuring out what is causing it to go wrong after working just swell for the past nine years. After 45 minutes on the phone this morning, there are still no answers. Super fun times.
To heap on more phone aggravation because clearly I am a glutton for punishment, I called the administrator of the former employer's former 401k plan. I still need to know what action is needed from me to roll my account over now that the plan has been dissolved. It was the second telephone attempt after an email went ignored. I was hanging on hold for 15 minutes and then hung up (just like the last time).
I looked up the info to call an oil company, but then realized they might ask how much oil is in the tank to plan a delivery. That info nugget required a trip outside to check the gauge and then when I came back inside I got sidetracked making a soup broth with vegetable scraps from the freezer and chopping fresh broccoli and carrots and mushrooms and forgot about calling until it was too late. Oops. Maybe tomorrow.
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Newly placed microwave. |
After 2.5 months with no microwave oven, I finally bought one, which delivered today. Although the kitchen feels roomy in general, the counter space and low-ish cabinet heights are still a challenge. The microwave is about a half-inch too wide for the small counter next to the fridge where it would block access to the built in jar opener under the cabinet. The whole kitchen needed rearranging to accommodate the microwave which I was afraid of and one reason for procrastinating the purchase.
The cutting board/prep area is now closer to the stove. The toaster oven moved to where I thought the microwave might go. The microwave is opposite the refrigerator and there is no longer a place to the left of the sink to set the handwash dishes and pots and pans to drain. Nothing seems easy. It will probably change in a couple days again as I try to live with it.
On the bright side, at least the nightmares spawned from the over the range built-in microwave at the last house can be banished. Every time a bowl of soup was removed, I worried about getting a face full of scalding liquid while lowering it to the counter from above eye level. It will be worth the cramped counter space to have eliminated that very real possibility.