I inadvertently missed my February car payment. Next thing I know I am getting a call from a collection agency although, technically, I wasn't even late. They took my March payment and applied it to February (the one I missed) and I had until March 20th to make my March payment. I had been paying on this loan for 5 years and never missed a payment - but be a little late on one - completely by accident and WHAM! the repossessors are lining up in my driveway - what a crock! I am calling my local bank right now to get my loan moved out of big bank, corporate America to someone more personal.
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