And with the skill that comes of a complete lack of effort...
I’ve managed to go overdrawn on an account with no overdraft facility; and not just once, but twice. Not just since I’ve been eighteen (and legally allowed credit) but when I was seventeen as well.
I’d find it quite amusing if they weren’t charging me this time. Luckily, it’s not my fault. Generally, if you write a cheque but then pay in cash instead and ask them to rip up the cheque you’d given them, you don’t expect them to then cash the cheque. Also, if you order something online that the retailer doesn’t actually have in stock and doesn’t even know where to get one from, you don’t expect them to claim to have one and debit your account (meaning that, seeing as you’ve found it for sale elsewhere you end up buying it twice).
I called up my bank on Friday to ask them to waive the charges as it wasn’t my fault. Not only did they refuse, they offered me a credit card. Look, guys, I know it wasn’t my fault but you’ve just had a call from someone who is accidentally overdrawn, and the only thing you can think of doing is offer them a credit card? No wonder we have so many people in debt in this country!
Matthew @ 09:59, May 1, 2005 to Diary | Comments (2)
Comments:
Rory
I got a credit card so easily it was scary. Banks and building societies these days are eager to throw money at people in an attempt to get them into debt. It’s frightening.
Comment added at 00:03, May 8, 2005
Matthew
Indeed. I was in my local branch the other day to pay in some money. The guy took absolutely ages over it, before turning to me and saying “the system tells me you don’t have a credit card”. He hadn’t even been doing what I’d asked him to!
Comment added at 14:49, May 8, 2005
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