Yeah, it’s NaBloPoMo time.  I generally hate it between 11/2-11/29, but then I’m really proud I did it at the end of it, and it’s a nice slice of life to have a year from now.  But let me state for the record: I MAY DO A LOT OF CROSS-POSTING.  I post at several other sites because I’m just that cool, but I may repost here because I’m just that lazy.

TODAY, YOU WILL GET ORIGINAL FODDER.  Consider yourselves blessed.

When Bryan and I bought the house we’re currently in, we had an some extra money at the time.  We decided to go get some furniture.  We paid 1/3 of the price upfront and charged the rest to the retail establishment’s line of credit that they offered us.

Sometime in the last year, we fell behind two months.  Citi sent us a lovely note offering to refinance the loan by closing the line of credit (sure, whatevs), and lowering the monthly payments.  Um, SOUNDS AWESOME, thanks!

So we agreed, and they began pulling out the determined amount every month.

I get a note every month reminding me that, HEY, this money’s going to be pulled out, okay?  So I really didn’t even think to open the bill and check it out when it came every month, post-payment.  WHICH, I KNOW, IS STUPID OF ME, RIGHT, DAVE RAMSEY?

Today I opened it, just to get the counter cleared of any junk mail, and I am LIVID.  Not only am I being assessed over $150 of “late charges” and “assessment fees” every month, I’m also showing $850 PAST DUE, and the total of the loan is now $1330 MORE than it was before we ever made any payments ever.

So the monthly payment that they pull out every month is not covering even HALF of what they’re saying is due. 

I’m sure Citi will be more than thrilled to talk to me tomorrow morning, but for now, I shall bitch to you all.

November’s gonna rock, huh?!