So I get a call on about the 14th, its the landlord, asking when I was planning on paying him for the month. I tell him that I did as we arranged... Which was since we both use CIBC, I would just transfer the money to his account. He gave me a voided cheque. I went and had the money taken out of my account, and put into what I thought was his. Weeks go by, he checks his bank and notives that my money hasnt arrived... He calls me. I go to the bank and inuire. They cant tell me where the money is, cause all they can see is that it came out of my account, when I said it did, but not where it went to. I asked if I can have my money back, they said not until they find out where it went. To do that they need to request some paperwork from head office, and that takes about 48 hours...

If I take my car to the shop for major work, they will give me a loaner car.
If I take my fishing rod in for warranty, they give me a loaner rod

So why when the bank loses my money can they not give me loaner money??? Its not like they dont have it... Jeezus.

It also would have been nice if he had checked his account before he did, if it was the next day, things might be different.

At least I was able to get the bank manager to call my landlord and admit fault so that he didnt think I was a scab new tennant and making up stories for him... What a day this is turning out to me.

 

I hate banks, they are always Fing things up....I use a credit untion, my husband loaned his dumb *** friend our old jeep cher...for a month, a year later find out from the police (after going on a hunt for it) that its not registered to ME! that ******* sold it or traded it for meth! and NOW because the bank cant find any info saying that it was paid off and IS MINE.....5 years later and still no justice!

 

Bre,
If you paid the Jeep off at some point prior to it being loaned out, why did you not get a copy of the clear title when that happened?

 

I feel bad for you guys. My mom works for a bank and even I got tired of their BS and switched to a CU. Example: I hadn't used my debit card in months until a certain Friday months ago. I decided to use it at a Subway. I got a call the following Monday morning saying I was being charged a NSF fee. I said wtf? My savings, which was supposed to be set up as an overdraft protection source, would be more than able to cover a measly $14.93 charge at Subway. Turns out, for the third time, when I tried to get the overdraft protection set up that somebody on their end didn't process it. So I called the Subway and the manager refunded my bogus second charge, but the bank wouldn't take back their $35 NSF charge. So I went from $29, got charged twice and brought me down to to -$0.86, and the bank's fee took me to -$35.86. The following day I withdrew all of my savings, closed out my ROTH IRA, and Money Market accounts with Suntrust and moved to a credit union.

 

I just typed a whole long thing and it didn't go through UG!

the bank does not release the title untill you fill out the paper work they send you when its paid off....they never sent the paper work.

My HUSBAND who never takes care of important stuff and was using the Jeep, never called the bank to get it....he figured as long as they still have it no big.
WELL how ever they illegally changed it I dont know but without proof (witch the bank is saying they can not find, only that I did have a loan out for the jeep) the cops will not do anything.

 

It varies from state to state, but here in Texas when you pay off a car loan, the lender sends the transfer title to you and then you notify the DMV who issues a clear title.

 

Since the subject of money and banks is coming up does anybody here know the rule of 72?

 

I don't know it myself but wiki has a lot of info on it.

http://en.wikipedia.org/wiki/Rule_of_72

 

The rule of 72 is something everybody should know. It shows you how fast your money will double according to it's interest rate. For example if you have a mutual fund that gets 12% interest, then take 72 divide it by 12 and you get six, meaning your investment will double in six years.

 

Yeah, banks are a pain in the *** I still to this day have problems writing checks at certain places because the account was under my moms name but, now the account is in my name.