Bank Of America What is an extension for then??? America Massachusetts

Hard times have hit many people. More than we want to realize. When in trouble where do we go but to our bank. Our buisness has taken a huge hit, things have slowed. We have never been late on a car payment. This month I know the bills will be late. I called BofA to apply for an extension on the car note and was told that in order to apply you must be 30 days current. That means there cannot be more than 30 days passed since your last payment. I made our payment on the 4th of the month before and called them on the 7th of this month,3 days past the 30 day mark. Sorry, was the answer I got. "Make a payment and then you can apply". Excuse me? If I could make the payment I wouldn't be calling for an extension, right? When I asked them where I could drop the vehicle off so they can have it back they changed their tune some, but it didn't change a thing. Am I wrong?
BofA have changed their policies since we opened our account. We have been banking with them for at least 10 years. I have also been hit by NSF funds because when a cash deposit is made they don't credit it right away. When I complained about that I was told it's their policy but spoke to a customer service rep one day who was extremely nice and looked up state laws for me. BofA will do their own thing and disregard each states individual banking laws, and in Mass, I believe a cash deposit is supposed to be made available immediately. The tellers, bank managers, atm receipts, phone banking all make those cash deposits "available", not pending, all but the BIG system, who backtracks and holds the deposits. Find out the laws in your state and go from there.

BofA is soon going to be a bank of my past. Local credit unions are where its at.

Indisbelief
west yarmouth, Massachusetts
U.S.A.