Now to make matters even worse, I am having such fun with our auto finance company that we pay monthly for the van.  Lets just call the van the “Black Mariah”.  Since we have gotten her she has served us well, but there has always been some issue or other.  Case in point almost 11 times to get the DVD player to work properly, a leaky roof that only showed up under torrential downpours, and weather stripping that continuously rips.  Its no worries though, all were taken care of except the weatherstripping, as that still is ripped and warranty period is done.  However, the biggest pain in the rear is Ford Motor Credit Financing!  They consistently find it necessary to delay processing my payment anywhere from 24 to 72 hours after I make it.  This would normally be fine for anyone else, but for someone that has to play funds close to the vest, it isn’t a blessing but a curse!  It seems that this is continuously causing the payments to be returned by my bank as I am using those funds because they haven’t been taken from my account when they should be thus incurring excessive $35 Returned Item charges.  I think I am coming close to holding the record for the most charges to an account in 1 month let alone a year!!!  Now much to my dismay, we are forced to do money gram payments for the van every month incurring an extra $9.00 in fees to send the money!! All I can say is ARGH someone shoot me now!!