During my second visit with Ida, I was asked to provide Income Verification so I rummaged through the drawer at home and snatched up my most recent pay-stub. As I looked it over, I realized that on paper I looked pathetic. Almost as if I'd be better off holding a sign on the side of the road, begging for change and fishing my dinner out of a garbage can. Because everyone knows that waiters and waitresses aren't paid shit for hourly, in hopes to earn enough in tips to make up for it.
I slid the pay-stub over to Ida, and watched as she snickered and rolled her eyes.
Ida: "$130 in two weeks? You'll never be approved for the loan."
Once again I reminded her that was not including tips, and she asked me why the tips were not accounted for on the pay stub. I went on to explain to her that at my restaurant it was only mandatory to claim 8% of our total sales as tips to be taxed, and the rest we get to keep free and clear as there is no way for the restaurant or the government to track any more than that amount. She then told me to pencil in my monthly income via tips, but that she doubted they would accept it as income, and I might have to go else where for the loan. She said she would call when she heard back and that it wouldn't take more then 24 hours. Three days later I still hadn't heard from her, so husband and decided we would use another option to buy the car. As we entered the bank together to make a withdrawal, I spotted Ida. I tried my best to avoid her as we waited in line, but she approached us rather dramatically.
Ida: "They declined you the loan. Insufficient Income. I knew they wouldn't accept it!"
The entire line at the bank turned towards us, and raised their eyebrows. Thanks for letting us know privately Ida, you rude bitch.
Ida: "Yah, your income from tips doesn't count, I told you it wouldn't."
Good thing we had another plan. But that Ida sure knew how to call us out in front of everyone.