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TIFU by losing my cellphone at the grocery store

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TIFU by not realizing my car is paid off

Happened yesterday. I've never felt a combination of stupidity and happiness this intense before. Little backstory

-About 5 years ago I frustratingly gave up on buying used vehicles so I went and financed a brand new car.

-Couple months into the pandemic I lost my job, savings really taking a hit, and dad diagnosed with cancer. It seemed like a good call to move back home while I get back on my feet.

-When I purchased my car I got additional warranty and if you don't use it you get the premium back when your car is paid off. Yay

-I really need to check my bank account more often.

Finally at the point I can move back out and really appreciate my parents helping me out. Was thinking the other day how sweet it's gonna be when my car is paid off. Hm maybe I can tough it out and live here till then for that cool 500/month extra. Got me excited so I thought hell yeah I'm gonna make some prepayments to help get to that goal asap! Go to login to my Scotiabank account to check out my loan info. Can't login, weird.

Call them and sit on hold for 35 minutes, finally getting through. Gentlemen answers, I explain the problem I'm having. He says..

G- Sir I cant help you login to your account simply because it's deleted.

Me- Huh??

G- Yes Sir when your loan was paid off the account was automatically deleted since you don't bank with us.

Awkward silence.. as I eyeball the mess of paperwork infront of me. All the dots connect. I read the date of purchase. Last payment came out in June.

I thought I still had an additional year of payments.

Later I call the business that handles the warranty refund program, they tell me the info I need to fax to them. Just realized in the fine print if I didn't make the claim 30 days after the warranty ended the refund is void. Rip $1725.00

I'm still going to try and fax the info and see what they say :(

TLDR; Thought I had an additional year of car payments. Didn't realize it was paid off since June. Missed deadline for warranty refund losing out on $1725.00 and feel like total idiot.

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