A-Loan in the Dark

Have you ever noticed that important paperwork is right where you put it for safe keeping…until the moment you need it? Take for instance the situation I am currently in. I have one of those small fireproof boxes in my house for the purpose of keeping my deed, car titles, and custody paperwork. These are documents I don’t want to lose, whether from misplacement or fire. Everything I put in there is right where I left it, too. Well…everything except the title to my Amigo. Which is odd since I haven’t touched that box since I put the title in there.

Why does this matter since I’m not selling my vehicle? I need it for loan collateral. The problem now is that I need the money for the loan in my account by the last day of the month and it takes about 14 days to get a title replaced. The way around this is to go to the local tax commision office where they actually print the things and for a $30 premium you can get one within minutes. Seems easy enough so I choose that course of action. It takes half of my lunch break just to get to the backwoods alternate reality where they located this massive chuck of steel building. But I did manage to find it and fill out my little form with the VIN (and you better know you’re VIN because they will NOT look it up…yay for customer service) and other relevant information.

Then the lady hands me a newly printed form which, by the way, is the exact same form I filled out with ink and handed her save for one little change. Apparently something got screwed up when I paid it off over three years ago. The bank is still listed as the lien holder. I certainly hope I don’t owe them anything. I haven’t made a payment in nearly four years. And I am completely certain I got a title from the State that did not list any lien holders. Yet there it was on screen as plain as day. Of course the lady couldn’t tell me how in the world I got a correct title when the information in the system was wrong. So now I have to get a lien release form from the bank so I can get a copy of the title to hand them so they can put a lien on the title. Still with me? Good because here’s where it gets bumpy.

I tried calling the bank and got stuck on hold for about 45 minutes. Now I only get an hour for lunch and it took 30 minutes to get here and then another 15 to do the paperwork shuffle. Now I’ve been on hold for another 3/4 of an hour and have another 30 minute ride in 98 degree weather to look forward to. Frustrated I contact my mother for reinforcement on trying to get the bank on the phone. She has worked with the lady that’s handling my loan for years so she’s got back lines of communication that I do not have. It also frees me up to make the sweltering ride back to work. Murphy’s Law is having a lot of fun at this point and decides to let my whole family share the joy.

Nobody I know can get anyone at the bank to answer and now I’m back at work with a screwed up laptop, a faulty wireless NIC driver, a problem with a cellular air card, and two weeks of reports that people want done in a matter of minutes. Oh, and let’s not forget the scanner system that lost all of its settings. I make alternate arrangements via SMS for collateral until I can get my title situation figured out. I now have to get everything done at work by 4PM so I have time to finish the bank stuff up today. Somehow I manage. I don’t know how but I manage to get all the broken stuff fixed by 4:04PM. So I run out the back door and head towards my bike.

You guessed it. I have another problem. Now I park my bike out back under the huge shed. It’s about the only place that is concrete and not gravel. The slab is huge and usually mostly empty. For the last week, though, people seem to have been going out of their way to pile pallets and trailers and boxes and cars around the bike so I cannot get out to go home. Today I tried parking right at the edge of the slab instead of the middle to fix that. What did they do? They parked closer and boxed me in more tightly than before. I swear that if I didn’t love my bike so much I would ram it smooth into their $40k plus cages. It’s not like I’m asking for super special treatment and climate controlled parking. I just want something solid under the kickstand and a path out when I get ready to go. It seems this is far too much to ask.

A few more minutes of wriggling and I’m able to squeeze the bike between the rusty Toyota and the Ford SVT pickup. It’s a good thing I’m not spiteful or I would have “accidentally” dragged the highway bar pegs down that lovely white paint job on the SVT…or the black paint of the Pontiac G8. But I didn’t and now I’m off to finally get the money in my account from the loan. Of course the reason I couldn’t get the lady on the phone is that she’s out today. Also, she’s been talking to me on and off for two weeks now about this loan and everything has been approved and is ready to go…except the other ladies cannot find any record of it in the system. So now I have to start all over. This is after the 12 minutes it takes to fill in the 6 blanks on the release of lien form. Eventually I get everything finished. And by that I mean I waited 45 minutes while the lady tapped away on her keyboard so I could sign one piece of paper on a line she drew with a pen.

Why can’t things just be simple? Oh and for those that think this isn’t enough…I just picked up the GMC truck that I’m buying from my dad on a deferred payment. He can’t find the title and after driving over 140 miles back to my house I notice the tag expired two months ago. Now I can’t get him on the phone to tell him I need a bill of sale so I can title, tag, and insure it ASAP. As usual, Murphy’s Imp of Perverse is right on top of things.