Telling someone that they screwed up and just the overall tone of your comments is not telling someone the truth, I can handle being told the truth. It's the condescending nature of your comments thats left a bad impression on me. Putting someone down, especially when that person is looking for help, that's not telling that person any truths. That tells me you are a mean person. I know bouncing the payment was my fault. I lost my job and some of my bills did not clear. I was hoping for the old finance company twould take this into account when refinancing but they didn't. I wanted to know if I could've held them ac****able or if I have to pay. You could've told me yay or nay in a much nicer way so I just won't come here anymore for advice. Thanks