I admit that I am late making my car payment (2, actually) . I called to make a pmt (1/14/11) and was told it would only be accepted if I also made a second payment (due by 1/31/11). I explained that I would not have $ on 1/31/11 and it would not be available until 2/11/11. I was told that 2 payments would be required, but I could call on 1/31/11 and push out my pmt. I did call back on 1/31/11 and was told that my payment could not be pushed out. My payment for 1/31/11 was cancelled, though. I was also advised that making my payment on 2/11/11 was not acceptable. "You need to beg, borrow, or steal from someone and pay them back on 2/11/11" as the payment had to be in their offices no later than 2/9/11. (Quota, I assume.) I was also told that they were tired of dealing with me. I have a 6 yr loan and only owe for 18 more months. My payment for 2/11/11 + late fees would make my loan current. Can they tell me to steal? Are the conversations recorded? I'm thinking of recording all conversations with WF Wachovia from now on.