As I’ve mentioned a couple of times, I work a 12 hour shift. I got home on Thursday morning a bit before 8, and found a note in my door. According to the note, I hadn’t paid my rent yet, and if I didn’t pay the full amount along with a $45 late fee, various not so friendly things would be happening, as was outlined in the rental agreement.
I was a bit confused.
To say the least.
Now my memory is not quite perfect, but it was my own recollection that I had stopped at my regular bank branch last Friday, attempted to purchase a money order, ran into a bit of difficulty as the branch’s check printer had just gone out of order. As a result I had to go to a branch that I normally do not use, as they are a little bit out of my way, purchased a money order there. Hence I drove to my apartment, walked over to the management office, handed the money order to the property manager who asked if I had included my apartment number, and name, noted that I had, and handed the money order to the lady who handles the payments.
Several things there should be keys that should indicate that payment had been delivered. Granted you have to be aware that either the rental agreement allows for the rent to be paied as late as the 3rd, or that I had included the late fee already.
As I say, I was a bit confused, and while I had been up since 10 am the day before, I figured that it would probably be a good idea to check into what was going on. First up the property management office does not open till 9, so I have a bit of time to check into things with my bank. So I called them up and ultimately was directed to an automated system that took my money order information, and verified that they had not processed my money order yet.
So I waited. About a quarter to 9 I walked over, I was going to wait at the front door for the office to open, but the property manager was walking around the office, and invited me in, expecting I was going to bitch and complain. I explained that I wasn’t here to do that, more concerned that we figure out what had happened and see if we can get things cleared up.
There may be truth to the statement that you can get more with a kind word and a gun than you can with just a kind word, but my experience is that having a gun involved in these situations tends to leave people with a really bad feeling about you, and tends to escalate negatively pretty fast. A variation that I think is much more improtant is to be aware of where you are comming from, and have a positive attitude. No, I don’t have any pieces of paper that says that So and so received the original of this negotiable instrument at 9:50 on April 3 2009, but I do have documentation showing that I purchased the money order, and let’s start with that and verbally describe the proocess of handing over the instrument.
As an aside, I got the distinct impression that my property manager has been getting a lot of complaints from people who were very angry.
In any case we discussed what should have happened from that point on, and the lady who processes the payment brought in the instrument noting that they had received notification on Tuesday that the instrument was rejected for non sufficient funds.
That’s interesting. It’s a money order, not a personal check. On the off chance that the term does not mean anything to you, it’s issued by the bank from an account that they only allow me to have the money order generated if they get the money from me for the money order in the fist place. I.e. It’s supposed to be secured funds. and there should be no chance of it being drawn against an account that has non sufficient funds. At the value my rent runs, it’s a toss-up whether I pay with a money order or a cashier’s check, which is the next level up, but that’s not really important to this situation.
Somehow it became my problem to check with the bank. So I drove over to the bank that I had purchased the money order through, and spoke with a personal banker, and we checked with the money order department again, and they verified that they hadn’t had any indication that anyone had attempted to cash or tender the money order. So back to the property management office, where the suggestion was offered that perhaps a routing number had been submitted incorrectly, either scanned wrong, or. well, let us call the central office and we’ll see what they show as having happened.
So I waited. Went off and got some sleep, and about 3:30 in the afternoon got confirmation that yes somewhere along the line a routing number or something had been entered incorrectly. They were going to follow up Friday morning and get the money order transaction taken care of, and so on.
I stopped in Monday morning, which I was going to do anyway, but had a package to pick up. I confirmed that they had taken care of the rental payment, and asked if the letter was still in my file. A quick check and they found that yes it had been, and pulled it out.
I tend to be a fairly easy going person about most things. Enough so that some people wonder what gets me upset. When I got the letter initially I was very upset. First of all, it is not a letter that says the payment was rejected for some reason, it simply stated that I had not made any payment, and that I would need to make such payment along with a late fee by such and such a time. It then outlined what would happen if I did not, and the consequences are fairly severe. I strongly suspect this is a standardized letter that goes out to any tenenant that pays late. From the text of the letter I have received one before, though I don’t recall when. I suspect it was very soon after I moved in here, and I’ve been spending a significant amount of time recovering from some of what I was going through then. It’s not entirely over, but I think I have it pretty well under control now.
At any rate while I note that I was rather confused, that’s really just a part of what I felt. I was actually pretty angry. What I was reading, and my recollection of events left me feeling like I was being lied to and possibly stollen from. The reality is a little bit different, but because of the nature of rental housing, the job market, and people’s finances these days, there are a lot of people who are very frustrated, and trying hard to do righ, with less than they really need.
In my case I was pretty sure I had all my ducks in a row as they say. I had my portion of the money order, which was dated with when I had purchased it. I didn’t have a ‘receipt’ for the payment from the office that they had received the payment, but I wasn’t expecting to need on, and I will be making sure that I do get one going forward. That said, my description of the transaction of turning over the money order was sufficiently detailed and friendly enough that the proprety manager allowed that she remembered things happening pretty much the same way. The fact that my payment was with a money order allowed me to be pretty sure that the status of the payment could be checked on. And I found that yes it could be, and no they hadn’t seen the payment.
The explanation of why the payment was rejected suggests that there is a potential infrastructure problem with the payment process. While this should not be a problem for me, I suspect that this may be a problem for some other people. I know that a large number of people pay bills with checks from their checking accounts. If the equipment involved can mis-identify a routing number, or account number on a money order, I suspect that the same is true for checks. The actual piece of paper has the same variety of markins for routing and account numbers. From what I recal, neither the routing number, nor the account number contains any form of error checking. If you look at a standard UPC code, there is a string of numbers with it. The bar code actually represents the same sequence of numbers. One of those digits, usually the last, is not actually part of the number that the computer looks up to find the related content. It is what is known as a check digit. If you apply some function to the remaining digits, than what you end up with is either this digit, or a number that added to this digit results in some other ’standard number’ that validates that the UPC (or ISBIN, or a number of other sequences of numbers) has been entered correctly. Whether the entry mecanisim was the bar code, or someone keying in the number on a keyboard. Based on the function involved, you can reject transposed digits, or miss-keyed digits. So if the number is supposed to be 4586, and it gets keyed as 4526 (look at a phone keypad and a computer/calculater keypad for how this might happen) the system will reject the number because it does not ‘check’ correctly. It’s not foolproof. You could mistakenly enter enough wrong digits that just hapens to result in a valid checksum, it’s just a bit difficult.
It is possible that bank routing numbers or account numbers do have the ability to include a check digit. Or they may be able to be built to be self checking while still all digits being necessary to uniquely identify the accounts involved. It’s just that I don’t think that’s happening today. And unless something like this happens to people who are very influential, I don’t really expect things to change. Actually, I’m a bit sad about that, as I think that this is not a good state of affairs, but it’s the way that things are at the moment.
Oh, and the entirely missing thing from what was sent to me, and such, Because of the NSF, they wanted to charge me a $20 nsf fee. We got that worked out, but I’m in that variety of situation where an NSF fee should never have hit my account. I suspect that others may run into problems liek that where they never should have been hit for the fee.
I really think that the fact that I went in with a positive attitude, eing pretty sure that things were handled correctly on my part, but being willing to work with the property manager, and even being willing to go otu of my way to resolve the issue, had a lot to do with the positive outcome. My experience is that people get defensive when people come at them bitching and complaining. You start otu with the motivation that ‘I’m right, and I’m not going to take this behaviour sitting down.’ As a result, even if it turns out that you are wrong, or that something you hadn’t accounted for makes you look bad, you tend to reject that, because it is foreign to the state of ‘I’m right!’
The apropriate response is to approach them with a friendly attitude, and note that you want to figure out with them what happened, and let’s work together to resolve this situation in a way we both can ‘win’ from.
I think I needed that hour to get back into my ‘laid back’ position and be willing to work with the property manager to resolve the situation to everyone’s satisfaction. My hope is that comming out of this, my property manager has a much more positive opinion of me. I’m far from a perfect person. Knowing that I’m more than happy to work with people to resolve concerns.