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Technology is a wonderful convenience. Emails, electronic bill pay, etc. allow us to work smarter and move on to things we want to do like watch TV, surf the internet, etc.
However, when life throws you a curve ball sometimes our technological approach will not solve the problem. We spend weeks on the phone with customer service, on-line, in chat rooms and blogs researching the issue, etc. and we are still frustrated.
Sometimes we have to step back into time and try some time consuming but time-tested approaches. These can become your curve ball.
In Person
One reason to choose local professionals and businesses is that if you are having a problem, you can always choose to make an appointment or visit the storefront.
It’s too easy for you to get lost in some phone system only to talk to a different person each time you call.
Showing up with your problem makes it less likely someone will scratch your information on a post it note with a promise to call you back later. If they cannot address your problem that day, make an appointment. You might need to come back, but that is likely required by the professional’s calendar.
By the way, I fired my physician yesterday and he doesn’t even know it! I was in his phone system for 4 minutes and no one picked up the phone. I would like better customer service for my dollars.
By U.S. Mail
I have many clients who are behind on their mortgage payments. The lenders are great at “refusing payments” by locking the homeowners out of the online payment system or check by phone options, etc.
If you are in this situation and the lender has gone so far as to refuse your payment IN PERSON as well, then try sending the payment by US mail. I know there is some risk in them holding the funds, but if you send it, they are likely to process it. This is true even if the mortgage company has “sent the account to their attorneys.”
Your payment by mail can eliminate the run around and legal action. Did I mention make the payment by certified funds?
Cash, Certified Checks and Money Orders
When you are working through a financial issue, There is nothing more respected than receiving cash in person. You will feel good about it, too. Of course, you don’t send cash by mail so use a money order or certified check issued by your bank or even your convenience store. Personal checks can be ok for routine payments but don’t try to pay an account in default or slow pay status with it. Show up to the game in your “Sunday Best” and send certified funds. And you will have someone else to blame if there is a problem with the check.
By the way, Western Union and other wire services are expensive and the lenders sometimes can’t find the money in the “address” that they probably provided you. I just saw wire slips in Cincinnati’s largest bank’s lobby so you know it is highly profitable and expensive for you.
Hopefully, a reminder of these time tested approaches in our ever changing hi-tech world will help you with this years challenges.
