I hope this diary is appropriate for this forum. I do not post often as I am frankly humbled by the intelligence and depth of knowledge of the diarists, and I learn so much reading DK diaries.

That being said, I am asking the indulgence of this DK community to tell the story of what I have been through the last 12 hours. We bought our truck new in 2006. It is not a truck for show, it is a necessary tool for his construction business. I have made payments since 2006 and have paid off about 75% of the loan. We have only one car loan, my other car is an old (but paid for) clunker. I don't need to tell you that the construction business is dead and therefore, we fell three payments behind. We started a new business and we are working 12+ hours a day and we are starting to see a little relief. I spoke to Bank of America this week and promised them that I would pay them by 3/31. I was waiting for checks to clear and was going to pay the balance, as promised this coming Monday.

This morning (3/27) at 5am, I awoke to the sound of my husband hollering in our yard. The repo truck had already hooked up my truck and we were unable to stop them. The repo man threatened my husband (he literally said back off or you will never see your truck again, which was overheard by my child) and damaged my property.

I did my best to calm the family and then waited for B of A to open. I borrowed the money due, brought cash to the local B of A branch and paid the bill.

B of A put me in touch with a middle man of some sort who had me contact the guys who towed the truck. After many phone calls and delays, I was finally able to retrieve my truck just after 5pm. Meeting the repo guys was an experience. They were only reachable my cell phone, and we had to meet them in the parking lot of a local drug store an hour from my home. The whole incident was so sketchy that my husband and I considered having the local police meet us with the repo guys in case they made additional demands.

I had to give Mr Repo even more money, for which he would not provide a receipt, but they did give me the truck back. I came home and literally took a shower immediately.

I am not running away from any of the debts I have, and I have not tried to discharge them in bankruptcy. We have cut back whereever we can and are working like slaves to dig out of the hole we are in. We actually count our blessings that we are able to work, still have our home, had someone to borrow money from, etc. But tonight, I am mad.

This is the same B of A that cut the credit line for my business two years ago (no late payments ever, paid balance every month) without telling me and then charged me an over the limit fee.

This is the same B of A that my family and I are paying to bail out.

Is it just that I am angry and humiliated, but it bother anyone else that they are named the Bank of America? Not my America!

UPDATE: Thanks for your support. I cannot tell you how it helps. Rec list...how cool!