I have had a loan with wachovia for a few years and admit to being late several times on my payment but I always call ahead of time to let them know whats going on and when to expect payment. My vehicle is almost paid for and i called and made arrangements to make a payment late but also made arrangements for the next months payment to be paid within the grace period. The next day someone called me and asked me where my payment was. I told her i had already made arrangements she said the person should not have accepted the arrangements and... read full review »