FML : Today, I was bombarded with phone calls from debt collectors. After some investigation, it turns out my grandma, who has dementia, has been going into...

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Today, I was bombarded with phone calls from debt collectors. After some investigation, it turns out my grandma, who has dementia, has been going into our mailbox and throwing away the outgoing mail because it wasn't addressed to her. I'm now apparently 3 months behind in payments. FML

I agree, your life sucks

You deserved it

redvolvo23 Say more :

First of all ... My grandma was throwing away my outgoing mail, I own rental properties and I pay with money orders so I'm always right on my bank account, a lot of my payments are the same every month I never gave it a thought to double check, cause it's like clockwork. Even had I written checks my statements come quarterly. I keep copies of my money orders thankfully. As for my grandma we didn't realize she was this bad...

By redvolvo23 / Wednesday 12 June 2013 04:57 / United States

Money

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Top comments

By joawmeens | 7

#5531246 - Wednesday 12 June 2013 12:19

How do you not realize you haven't been paying bills? Pretty sure I'd notice that I had a lot, or ANY, money in the bank.

By redvolvo23 | 2

#5531985 - Wednesday 12 June 2013 10:37

Comments

By joawmeens | 7

#5531246 - Wednesday 12 June 2013 12:19

How do you not realize you haven't been paying bills? Pretty sure I'd notice that I had a lot, or ANY, money in the bank.

lizzi02 | 13

#5531366 - Wednesday 12 June 2013 01:57

Not everyone does online banking. My mom used to use cash to get money orders and mail them out to the company. She didn't use a bank. Maybe OP does it this way as well?

jhs578650 | 9

#5531379 - Wednesday 12 June 2013 02:08

@19 Even without online banking, the OP should have noticed that something was amiss after the first month. His bills the following month would have arrearage charges on them. The FML only mentions that the outgoing mail was tampered with. Even if the incoming mail was tampered with though, the OP should have noticed a distinct lack of bills coming in.

xStaciexLynnx | 15

#5531393 - Wednesday 12 June 2013 02:26

And even if you don't do online banking, you still get a monthly bank statement.

TheDrifter | 23

#5531452 - Wednesday 12 June 2013 03:49

Just the fact that OP didn't spend thousands of dollars that are usually spent over the course of three months should have been a big clue, even before the collection calls.

RedPillSucks | 30

#5531456 - Wednesday 12 June 2013 03:52

@24 Your monthly bank statement would come in the mail and get thrown out by grandma.

Jjimen1654 | 9

#5531542 - Wednesday 12 June 2013 04:43

20 is right OP deserves it for not noticing such an obvious problem.

iluvferrets | 13

#5531798 - Wednesday 12 June 2013 08:21

He could have used money orders.

IndieCowboy | 15

#5532113 - Wednesday 12 June 2013 11:53

Don't be an ass.

Crazynopantsman | 11

#5533182 - Thursday 13 June 2013 04:20

He has been paying. Grandma was throwing away the outgoing mail.

kendallfireHD | 16

#6020262 - Sunday 27 July 2014 02:11

They have been paying. That's what the grandma was throwing away. The payment.

By Baustigt | 40

#5531256 - Wednesday 12 June 2013 12:23

Well, you may be in debt, but the garbage man is one wealthy son of a bitch!

Trix_Disorder | 20

#5531274 - Wednesday 12 June 2013 12:28

Yeah, with all of those checks he couldn't cash since they weren't made out to him. Woo. (People don't generally mail cash; it's not safe and not recommended)

DocBastard | 38

#5531290 - Wednesday 12 June 2013 12:41

Trix - That sound you just heard was Baustigt's joke going waaaay over your head.

Baustigt | 40

#5531291 - Wednesday 12 June 2013 12:42

I was joking. Albeit poorly. Maybe I should have used more exclamation marks. !!!! That'll do it.

RedPillSucks | 30

#5531458 - Wednesday 12 June 2013 03:54

Actually, you'll be surprised how often people cash checks that are not made out to them. It does happen.

jeepers_1 | 21

#5533118 - Thursday 13 June 2013 03:29

But the bank wouldn't clear it?

Trix_Disorder | 20

#5534465 - Friday 14 June 2013 11:30

Whoops. Sorry, just didn't read at all like a joke to me.

By BigMatt803 | 17

#5531260 - Wednesday 12 June 2013 12:23

Just explain what happened and maybe your bill companies will give you some time to get paid up

AngrySailor | 17

#5531277 - Wednesday 12 June 2013 12:29

They don't care... This is some good OJ...

By advent2060 | 4

#5531265 - Wednesday 12 June 2013 12:24

That blows sorry to hear about your grandma and ur bills :(

By angelitared | 27

#5531275 - Wednesday 12 June 2013 12:29

Online banking! Reality! Get w it!

By olpally | 32

#5531305 - Wednesday 12 June 2013 12:55

Fuck both your lives here. She has dementia and you'll probably be in debt. :( very horrible indeed.

DJ_Lyons | 15

#5531355 - Wednesday 12 June 2013 01:44

Probably? Sounds like op already is in debt. :P

By jhs578650 | 9

#5531318 - Wednesday 12 June 2013 01:14

You didn't notice that you had all that extra money for 3 months? I check my bank accounts daily.

By TheCutestLizard | 28

#5531326 - Wednesday 12 June 2013 01:24

Sorry to say it, but YDI OP! How do you go 3 months without paying a bill? That's just irresponsible on your part.

Virtual_BS | 13

#5531411 - Wednesday 12 June 2013 02:49

OP did make attempt to pay the bills, but his grandma interfered with the mail before it got to the recipient.

nikkikinlilla | 9

#5532588 - Thursday 13 June 2013 05:20

Can you read? OP did pay the bills. Grandma unpaid them.

Discgolfer | 2

#5532679 - Thursday 13 June 2013 07:08

Your just dumb

Mizzoulove | 4

#5534226 - Friday 14 June 2013 06:54

you're*

CreasingCactus | 3

#6578349 - Monday 11 April 2016 09:52

^Owned.

By imsh0rts0watt | 9

#5531337 - Wednesday 12 June 2013 01:30

YDI... How do you not notice that you haven't received your bills in the mail? It's not as if they suddenly paid themselves off

Virtual_BS | 13

#5531414 - Wednesday 12 June 2013 02:52

Some people don't read... OP obviously did get the bills, did write the cheques, and did attempt to post them, at which point his grandma threw the OUTGOING mail in the trash without telling anyone.

TheCutestLizard | 28

#5531567 - Wednesday 12 June 2013 05:02

#26 - OP is still at fault for not reconciling his or her bank account. Just because you write a check doesn't mean your bill has been paid.

imsh0rts0watt | 9

#5532282 - Thursday 13 June 2013 01:23

Well excuse me for being human and accidentally misreading the post.. In either case OP deserves it, he should have noticed even when if he did receive his mail and open the statements to notice it said there was a missed payment