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It's FUUHHHCKIN CREEPY how they keep track of all your shit, in the end!

You know the impressions accurate when it makes you feel douchey.

Well done.

Period.

Haha... Great impression.

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The bank just wanted a little taste.

nothing like a little payola.. right ron?

Leave it to Opie to finally make me side with a banking/mortgage institution.

Did you know he only checks his mail every few weeks?

Once a month. He was telling Jim when he pays his bills, he sends more than what's due to cover the coming months. Jim actually thought it was smart to send the bill collector more than what was owned.

You guys think the banks are bad? What about the phone companies, I didn't pay the bill and they cut my service. What the fuck, you'd think they'd check your record and realize I'm a good customer but no, don't pay for four months and that's it like just another bum on the street.

Are you imitating Opie or Seinfeld here?

Which one do you think complained when he didn't pay his bill and they cut his service?

EDIT: The people who worked for said phone company are DUMMIES and just don't get it.

Maybe he should be a responsible adult and pay his bills.

He is too cheap to hire a financial advisor

How long before we see opieradio on twitter mention @INFOWARS for the "troof".

Ant is one election away from that happening.

YYYAAAAAAAAAAAAAAAAAAAAAAHHHHHHHHH

He said he paid off the whole next year thinking that the money he was depositing would cover his late payment but instead the bank just used the money to pay months going forward and not the one he missed without the bank telling him he needs to specifically ask to pay the missed payment and wasnt telling him he was getting more late fees.

He didnt just make 1 payment for march and thats it. But let the Opie hate flow. He is literally satan. Everything he does is wrong.

No, you're wrong. First of all, you can't "prepay" your mortgage for a year. If you owe $500,000, and you pay $100,000 in January, you still owe your monthly payment going forward. The advantage of the $100,000 payment is only that it eats into your principal.

What he was referring to as "paying for the year" was the savings account he opened with the loaning bank. He opened an account with them and put in enough to cover payments for a full year. So that account would auto-pay his mortgage payment each month. When the year ran up (February), he forgot to resupply the account. That led to him missing February's payment and being fined. He thought that as long as he paid the fee and a single payment in March, he'd be back on track.

But a mortgage doesn't work like a credit card. You can't just miss a month, pay a fee, and then start again with the same balance the next month. If you miss a mortgage payment, you owe the fee plus a double payment the next month. If you only make a single payment the next month, you are still behind one month.

Nobody should have to tell him this. To anyone who actually has to think about paying a mortgage, this is made very clear.

I thought he just opened the savings account now with the money for the missed payment and then the money for the year and asked if they would withdraw the money for the missed payment which they said they wouldnt even though the money was there for it?

Im kind of embarrassed that I'm discussing a multi millionaires finances.

That's how I heard it too. Like a secured line of credit.

Well that's not true for all banks and all mortgages, theres plenty that apply additional payments as the following months payments.

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I think most of a "prepay" on a mortgage goes into escrow actually.

How so (genuinely asking)? I thought only tax payments went into escrow. Why would an additional payment go into escrow?

I don't really know but my brother rounds up on his mortgage payments, and everything extra goes directly into escrow.

You sad cunt's must really hate Opie if you defend the banking system over Opie.

It's just that it's a really simple transaction. A 50+ year old man should not be perplexed by something like this.

It's his first mortgage.

Defend the banking system? Idiots like you should be locked up for life.

It's just that it's a really simple transaction. A 50+ year old man should not be perplexed by something like this.

Defend the banking system? Idiots like you should be locked up for life.