The Bank....
Aside from the obvious calls from "your bank" asking you to confirm some security details by giving them all of your personal and financial adivce ever, i did get cold called by someone from my Bank (my actual bank...Lloyds TSB) trying to sell me a personal loan....

Lloyds TSB: I can see that you have a Credit Card with us sir. Did you know if you were to take out a personal loan you can pay off your credit card and then pay off the loan at a cheaper rate...

Me: OK, draw me up a repayment plan based on a loan of £2000 then please. I'd like to pay back £100 a month.

LTSB: I can't authorise a loan of £2000 sir as your Credit Card is only at £1600 and we need to know what the other £400 would be for.

Me: Right, pretend I've told you I'm buying a bike that rounds it up to £2000.


LTSB: Right, a new bike it is. OK sir, so an estimated repayment of £100 a month, £2000 loan, blah blah blah would give you an interest rate of 23.1% APR.

Me: Ok, and I havent got a clue, so could you tell me what is the current interest rate on my Credit Card?

LTSB: ..... silence ...... mumblings.... clickings...... ummm, its currently 17.9% sir.

Me: Riiiight. So then, if i take a minute to think about it, this whole call has been a waste of mine and your time really hasnt it? Thanks but no thanks, I won't be switching from my 17.9% Credit Card to a 23.1% Loan. Theres 10 minutes of my life I can never get back, at least you're getting paid. Can I go now?

LTSB: ... mumbles.... Sorry sir. Have a good day

I did.



Apologies for length, I was pretending it was about 50inches long and red!
( Mister B is eating an icanhazcheezburger with lmaonaise, Sun 6 Sep 2009, 22:20, 1 reply)

ARRRGGGGHHHHHH !!!
That's usually what I say to this shower of shits when they phone me up, the fucking BASTARDS!!! ARRRGGGGGHHHHH!!!
( SpankyHanky, Mon 7 Sep 2009, 12:56, closed)