Getting the Title

Who knew it would be such a hassle to pay the bank off and get the title to the BMW?!?!?!

Saturday:
Jon calls financial institution A (the BMW lien holder) to get pay off information

Monday:
(Buy new church shoes for Zac at Burlington. Then my bad day starts. Max looses one shoe among the isles, but we do find it)

Go to financial institution B (where we bank): Deposit huge wad of cash. Get cashier's check to pay off loan so we can get the title and send it to financial institution A. (Boys get suckers)

Go to Post Office: How securely can I mail a cashier's check that is worth as much as the car?! (without sending it FedEx, trying to save money here. Boys running all over, trying to keep and eye on them and talk to post office employee, who is REALLY nice, thanks goodness). In order to insure that much "value" it would be $40. So I sent it certified mail, way cheaper. Then I get in the car and realize you can't sent certified mail to a PO Box (but later find out I guess you can these days).

Call financial institution A: I need a street address, to send the certified mail to, or so I think. Then I am told a completely different story about how to pay off the loan and get the title in a reasonable amount of time (2 weeks instead of at least 45 days). I am told the title will be released 10 days after pay off whether I send a cashier's check or pay electronically. So I decide I am going to pay electronically. It is more secure and faster right?

Go back into Post Office: Get check back and get a refund for postage. (Max is in the stroller this time.)

Go back to financial institution B: Deposit check back into account. (Again boys running all over, get more suckers.)

I am starving.

Go to public library: The last day a book on tape will be held. Realize I forgot the other book on tape (or I mean CD) in the car. Sign the boys up for the summer reading club. (They get a new t-shirt and some graham crackers)

I am starving and frazzled.

Go through book drop: So I can turn the other book on tape in. Scratch the back of the side mirror in the book drop-CRAP!

I am more frazzled and still starving.

Think of where I am going to eat: There is no way I am going home to make something good to eat out of nothing (I have needed to go to the grocery store for a few days). Its need to be a drive through. There is NO way I am taking the kids out of the car and putting them back in again!

Drive around for 15 mins: I cannot make a decision!!

I can't get a hold of Jon to tell me where to go. I call Callie, I call Rachel. I end up going to Wendy's. I need to get a meal for the kids too.

Go home: Eat, put Max to nap (he fell asleep on the way home . . .i don't think he is asleep yet)

Call financial institution A to pay off loan: financial institution A was bought out by financial institution C. I have to call financial institution C to pay off the loan.

Call financial institution C: they tell me basically the same thing as Jon was told on Saturday. I am NOT going to the bank again to get a cashier's check and mail it. They tell me I can use money gram or western union. But i would have to go get the cash (at the bank again) then go to one of these places (one is in Wal-mart. where a walmart employee is trained to do this . . . um i think not!! there is NO way i am trusting poor service wal-mart to do this for me!)

Call Jon to give the low down: Maybe financial institution B can do it for us? I am not going back there today, at least not back with the kids in tow.

Call financial institution B: To see what options there are. They try to do the wire transfer over the phone but, financial institution C is not equipped to take it wire transfers from other financial institutions?? So financial institution B (wonderful employee sent to make my day better, Duncan) tells me he will just FedEx it overnight for me and waive the fees. He conference calls with me to financial institution C to get the address. (So I guess now we are working with financial institution C to pay this off. Whatever happened to financial institution B? Well C is now managing the auto loans, B can still issue them and answer questions as they are the institution who issued it.)

Hopefully we will get the title in about 2 weeks.

*SIGH*