I was an ag lender, also- SW Washington Production Credit Assn. Had a few "problem" loans over the years, but my favorite was a situation in about 1980 in which the husband was a good guy, very trustworthy, but he was injured in a mill accident, so we had to deal with the Mrs. My boss had written in the loan history several years earlier, "Mrs. xxx is a crook- deal only with husband."
They had a loan of about $6,000 that was past due, secured by Holstein heifers that were long gone, of course. She kept giving excuses, and a favorite trick was to give me a postdated check anticipating some kind of income, then call prior to the date and make add'l excuses- but still no money.
They had sold some property to a local timber baron, and had an annual payment. I went out on a Friday, and she gave me a check dated for the next Monday, when the payment was supposed to be made. What she didn't know was that the timber baron was a client as well- so I called him about the payment when I got back to the office, and of course, the payment wasn't due for months. But he said he had plenty of cash at the moment, and he could pay it early if it would help. I opined that it certainly would, so made arrangements to be the next in line behind him at our bank when he made that payment first thing Monday morning.
Went to the office Monday morning, and, knowing that Mrs. would soon be calling to disavow the check, I told receptionist that I had to be out for awhile, probably back before noon. Had coffee until bank opened at 10, and it worked like clockwork. Baron made the payment to their account, and I was next in line, to present my check from her for cash. Teller knew both Baron and me; she looked at me, then at Baron walking out the door, back at me, and said "I don't even want to know." Got my cash, went back to the office, and, surprise, Mrs. had been calling- I called her, thanked her for the payment, and the phone line turned blue.
Postscript: A couple years later, Mrs. xxx called, sweet as could be, and wondered if we could finance a car for them. I (reluctantly) declined.
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