I'm a dumb-ass. I am. Why else would I keep forgetting to pay my car loan? Yes, I've been meaning to pay, but somehow, something always gets in the way. This time, I missed 3 payments.
On Tuesday, I was really rushing out work. I had to finish up and leave for the day at 2pm. It was time for Baby Jesse's routine check-up at the hospital. Suddenly the phone rings. "Mr. James Tan?" a voice at the end enquired, to which I acknowledged. "We're repossessing your car," he said, and continued, "Can you come down now?"
This couldn't have come at a worse time. But I had no choice.I got to my car shortly after and suddenly, two burly Indian guys jumped me and kicked the living crap out of me. After having the daylights knocked out of my system, they drive off with my car!
Hehheh! Okay, it was't quite that dramatic. Instead, Ravi and Chandran laid down the cards, while their silent, stone-cold assassin-faced colleague stood a comfortable distance away. I owed 3 payments and they were gonna tow my car. I'd have to settle the 3 payments in cash and on top of that, pay RM 660 for the towing, the rent-a-thugs, and whatever processing fees there were.
Being the nice gentlemen they were, they offered me a more economical solution.
"How much?" I asked. "You make offer," Ravi grunted. And so I did, "RM 100, can?"
"Okay, forget it," man, he was pissed off. "You settle with the bank."
"C'mon!!" I protested, "How do I know how much you want if you won't say?" It's not like I deal with repossesors every day. Sheesh! Finally, after much negotiation with the guys fixed the price at RM 450. Things got a little less tense and we even managed a few laughs. I even played the fool with Ravi, faking a runaway debtor which got him quite jumpy. Hehheh!
Anyway, under normal circumstances I would have dealt with the bank instead. But thanks to Ravi and Chandran, and of course their assasin friend (whom I hate to admit were actually nice guys), I had learnt the error of my procrastinating ways. My son was going for his first check up and I'd be damned if I were gonna procrastinate on that too! So I gritted my teeth and did the neccessary.
And just like that I learnt another valuable lesson. All RM 450's worth! And oh yeah, I also paid the bank in full what I owed. *sigh* Do I lead the most eventful life or what?
And no, I don't get to deduct this out of Baby's allowance. :)