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This is a question Banks

Your Ginger Fuhrer froths, "I hate my bank. Not because of debt or anything but because I hate being sold to - possibly pathologically so - and everytime I speak to them they try and sell me services. Gold cards, isas, insurance, you know the crap. It drives me insane. I ALREADY BANK WITH YOU. STOP IT. YOU MAKE ME FRIGHTED TO DO MY NORMAL BANKING. I'm angry even thinking about them."

So, tell us your banking stories of woe.

No doubt at least one of you has shagged in the vault, shat on a counter or thrown up in a cash machine. Or something

(, Thu 16 Jul 2009, 13:15)
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first? eh, close enough.
Back when I was a silly teenager with my first girlfriend, I made the mistake of moving in with her. A few months later, I owned a house, had a £5000 loan and a £500 joint overdraft with Lloyds TSB, plus a £500 joint overdraft with First Direct.

As these things tend to go, she chose this point to tell me she wanted kids *now*, as opposed to about 6 years down the line as we'd both previously discussed. My point-blank refusal to even discuss the idea, combined with her persuasive approach of coming off the pill and 'getting horny' conspired to result in me telling her to fuck right off.

So I moved back in with the parents with my £3000 debt, and set about arranging with the banks to pay everything off. I called Lloyds, who froze the joint account, and agreed to pay £50/month off the overdraft, and stick to the existing payments on the loan. All well and good so far. I called First Direct, who agreed the same repayment terms on the overdraft.

Anyway, come payment time, I duly put £50 in each account. A few days later, I checked the balances. First direct: £-450. Lloyds TSB: £-510.

Wait, what? I'd just paid £50 off a £500 debt...how was I more in debt than I started? To my branch, where they had a machine that could print a full statement immediately instead of the shitty mini-statements the cashpoints give you. I discover they've unlocked the account to deposit the money, charged me interest on the outstanding amount, a fee because the interest had taken me over the overdraft limit, and various other charges totalling £60.

I wrote to Lloyds, telling them that I'd be putting the agreed £50/month into a seperate account in readiness for them, but I wouldn't be making any further payments until they could assure me that I wouldn't be increasing my debt by doing so.

They never wrote back. I never made another payment to either the overdraft or the loan. They never chased the lack of payments. Everyone was happy.

They're still a bunch of useless cunts though.
(, Thu 16 Jul 2009, 13:21, Reply)

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