We tried for half an hour this morning trying to navigate your menu. It kept getting stuck on the date of the payoff we wanted. We kept entering 04/30/20 (2 digits for day, month, year like it asked) and it would stop and go right back to telling us to enter the pay off date. I am NOT a pissed customer, it's just frustrating now days because you can't talk to a REAL person if your recording menu doesn't work. User's recommendation: Have someone check your phone menu to make sure it's working correctly.