Today, I received a surprise "absolute final notice" email for payment of an overdue fee from the university I withdrew from 6 months ago. Turns out, my old landlord has been hoarding their letters to me. As a result, my credit is now in the shitter and I had to pay an extra $120 in interest. FML
Collection
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
Today, I got a letter saying I was no longer a student at my college and my current work is void since I had ignored and refused to pay my tuition bill. Over the past month I've been deleting these pesky emails saying 'FINAL WARNING regarding payment' thinking it was more spam. They weren't. FML
Today, I checked my university financial account to discover I owed them over $1000. The reason? They had apparently given me too much money when I applied for a loan and now want it back. Oh, and I spent my loan money on books and a laptop for school. FML
Today, I learned that my building never received my rent check. Now not only do I have to pay a $40 late fee, but also a $40 fee to stop the payment of the check that went god knows where. FML
Today, I found out that a single unpaid parking ticket from September put my student account on hold and unregistered me from all my spring classes. I'm a senior and this is my last semester. FML
Today, I found out that I owed my school $0.20. They decided to charge me a late fee of $20 for deferring the intial payment. FML
Today, my college professor/employer failed to send in a letter I had been counting on for a scholarship application. He has also decided not to pay me for the last two months. I'm not going to make rent. Apparently this is the punishment you get for politely declining a date with a married man. FML
Today, I learned I have over $10,000 in debt, despite never owning a credit card. Apparently, my ex-roommate had been replying to the credit card offers I was receiving in the mail. That also explains my missing driver's license a few months back. FML
Today, I found out that I owe my college a little over $10,000. Why? Because, due to a slight misspelling of my name, the scholarship that I have been going insane trying to meet the requirements for is not actually giving me any funding. FML
Today, my roommate and I received a non-payment notice from our landlord, over a dishonored check that was used to pay the rent. I give my roommate money for my share and she handles the checks. Apparently, her trip to Puerto Rico was more important than paying rent. FML
Today, I found out, through Facebook, that my landlord hadn't been paying the mortgage on the house I'm renting from him. It's going into foreclosure. FML
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Top comments
Luckster 0
Isn't it illegal to be hoarding someone's mail? I'm sure there are courts that'll take your case. You can probably make your dumbass landlord pay the fees and the interest.
caancoha 0
I'm speechless. What possible reason could your landlord have for hoarding letters? All I imagine is a handmade ship constructed with mail and spit.
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Comments (57)
Jarlais 0
ydi for not realizing you haven't been getting your bills
harveywallbanger 0
It's your own fault. You deserved it for not giving the university your new address to ensure you received the statements in a timely fashion. Shows a complete lack of responsibility. Way to go.
waterskier567 0
If you haven't turned your book in yet. My roommate had an over due book like that once, and he just told them that he turned it in and that they must have lost it. I later went and "checked it out", so the library emailed him and apologized, wiping his charges clean.
deucebrew 0
I seriously doubt he hoarded your mail. I fail to see how you have any legal recourse to sue him in small claims court, either. I'd imagine that by hoarded you mean he didn't forward it to you on his own, as if that was his responsibility. OP should have filed a forward order with the post office and notified creditors of the change of address. It's called being responsible. You fail at life.
Agnol117 0
#40, it IS the landlord's responsibility to at the very least return the mail to the post office. In that aspect, the landlord was in the wrong, and the OP could have a legitimate case.
blastvortex 4
Unless you're lying about something, that's illegal. If you can't get the fee waved, then at the very least you're legally entitled to compensation for the extra fees. If the landlord doesn't pay up, then take him to court.
suaveneanderthal 0
you live in canada, so your credit's already in the shitter
uckfay_emay 3
sue the landlords dumb ass -_- duhh
CaptainBlake 0
kick the landlords dumb ass
noName123456 0
dude i think all around the world peopls credit is aready in the shitter but anyway usally when people are shouting sue i think there crazy but yeah this guy fuked you over and you should sue keeping someones mail is not just an accident or a misunderstanding (usally) and your credit is ruind now so take it up in court. (wow i spell like shit)
MarkO_fml 0
Well, I can see that the same intelligentsia who always handout the advice to sue are out in force. I never cease to be amazed at the people who think you just have to show up at the nearest courthouse and explain things to the judge and you'll go home with everything restored to your liking. Face up to the fact that some people are a$$holes and that everything that makes you angry isn't going to be a payday for you. The landlord can deny everything you tell the judge who will rule against 5 seconds later when it becomes one person's word against the other. A win in small claims court won't change your credit rating. OP, why are you the only person left in the world who doesn't have electronic correspondence with your creditors? YDI because you should know what you owe them without having to be notified in writing. Furthermore, you said you paid $120 in interest so your payment would be noted even if it appeared on your credit report at all. I can't imagine any university reporting this kind of thing to the credit bureaus. I made bigger mistakes with my credit when I was younger and a mere 5 years later, I purchased a home and still have a very good credit rating. Most creditors look at your whole history and they all want your business unless your poor rating is the result of many bad decisions - especially in this economy. If this is the only thing on your record, I promise that it is nothing to worry about.