Can you find the "error" in this fine print from a Wells Fargo Personal Line of Credit Agreement?
"We will take the greater of the Minimum Payment Due or the Total amount Due, or a larger amount if you authorize us to, and apply the payment amount to your Account by the Payment Due Date." (7.d., effective August 18, 2012)
It does sound odd that they might take more than the "total amount due." It would be a very odd account. Either you're allowed to overpay and build up a credit or the "total amount due" is not all that you owe.
I can think of one possibility - some kind of loan that has a minimum payment, and a standard payment (the total amount due) which will pay off in a certain period (say 60 months), but you are allowed to pay down extra principle in advance.
if the Total Amount due is the entire amount you owe you would not authorize a larger amount
unless that is referring to the total amount due of the monthly payment??
It sounds to me that the statement is saying the person with the line of credit has to authorise Wells Fargo to apply any payment to the account. It is certainly a run on sentence.
Just guessing. I hear they will apply 'only' the payment amount, which is a specific, being that which is due, to the account. The balance of the 'total amount due' or the 'larger amount authorized' over and beyond what is due seems not to be applied toward the open account. Again, guessing, maybe it should read "paid or tendered amount" instead of "payment amount."
"We will take the greater of the MINIMUM PAYMENT DUE (minimum monthly payment), or the TOTAL AMOUNT DUE (The Minimum Monthly Payment on the balance owing- without penalties) or a larger amount if you authorize us to (Paying a larger amount reduces the Principal and the loan is satisfied sooner). Applying the payment to your account by the specified date is an important to means to keeping you're credit line with Wells Fargo,
I'm guessing.
Grammatically, this question is a mess! The error is "apply"?
"Or a larger amount if you authorize us to"- if you have already told me you would take one of these payments, then how do you then tell me you will take another amount ?
At the end of the statement they placed the 'period inside the quote marks'.
Instead they should have placed the 'period outside the quote marks'.
I think that I just caught it. If it was written this year, at the end they have the date of '2012'.
by Jon Sigurdsson 6 years ago
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by Doc Wordinger 7 years ago
Hey,Do any non-US citizens know how much Wells Fargo charges when a foreign bank sends a USD check back to them for collection?I live in UK and receive a couple of checks each year from the Amazon Affiliate program in USD. I pay it into my UK account and my bank then sends it back to Wells Fargo...
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I don't understand how such a huge financial network like Wells Fargo's website could shutdown. It's been over 24 hours. It's a huge inconvenience and scary to think how much we count on using the Internet for financial stability. Can some explain how this could happen?
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