”Please don’t cry, Mrs. Moore,” consoled loan officer Jackson Tydman, “this is strictly business.” “Unless you can come up with $400.00 by this Friday,” he continued smoothly, “we’re going to have to repossess your car, that’s all there is to it!” 

Sitting in a chair across from Jack’s desk, Nancy Moore was fighting to control her emotions, and unfortunately was failing miserably. Tears rolled down her cheeks as she tried to explain to Mr. Tydman that without a car, her husband Joe would lose his job as a traveling salesman. “Believe me when I tell you that I’m sympathetic to your position,” Jack went on, “but you’re two months behind already, and the bank feels that it would be unfair to our other customers if we let this thing go any longer!” Thinking fast on her feet, Nancy gave it one last shot, “Well, is there someone else I can talk to about this, like your supervisor or something!?!”

Jackson Tydman gave her a long steady gaze and then replied slowly, “Well, I guess it wouldn’t hurt to let you speak with Miss Winters, but I don’t think it will do any good, she generally agrees with my judgment!” Getting up from behind his desk, Jack excused himself and said he would be right back. He quickly made his way to Blair Winters’ office and stuck his head inside and said, “We got us a real hot one, babe, I’m going to send her down in a few minutes, she owes eight C’s on their car and her old man needs it for his job as a salesman.” “I think she would do just about anything to keep from losing that car!” I’ve got her good and softened up, I think it will only take a little shove to put her over the edge!” Blair Winters nodded to Jack and replied, “Good, give me a few minutes to review her file and then send her in!” Jack turned heal and headed back to his office where he found a more composed Nancy waiting patiently for his return. He slid around to his chair, sat down and offered, “I’ve talked to Miss “Winters and she will see you in a few minutes, she’s very busy but can spare you a minute or two.” “Oh thank you, Mr. Tydman,” Nancy fairly gushed, “I just know she will give me a little more time!” Jackson Tydman merely nodded his head and leaned back in his chair and waited for Blair to buzz him.

Blair stood up and extended her hand to Nancy Moore and introduced herself, “Please sit down and make yourself comfortable, I’m Blair Winters, V.P. in charge of loans.” After they were both seated, Blair glanced through Nancy’s file and began, “I’m sorry to say that you are three months behind in your car payment, unfortunately it looks like we’re going to have to repossess unless we get at least half payment this week.” Nancy realized right away that it would do no good in pleading her case, as Blair Winters seemed even more harsh and rigid than Mr. Tydman. Blair again glanced through the file and continued on, “I also see that you and your husband have your home mortgage with us, as of this moment you are technically not late with your next payment, but you are about to go past the ten day grace period which means that you will be in arrears on both loans!”