Kick him whilst he’s down

I’ve been undergoing some minor cash flow issues the last while. We may be owed a rake of money, but I don’t have enough money to buy bread. Nice.

Anyway, that’s not the point (though it should be), the point is that I hate banks. When things are going bad for you financially they love nothing more than to kick you in the knackers.

The bank rang me sometime last year and said, you’ve been having trouble paying some of your direct debits – would you like an overdraft facility as this might make life a little easier? Why sure, at this stage anything will help, I said. Now, I haven’t really used the overdraft facility much until I got staggeringly broke this month, and when you’re staggeringly broke, what better than to charge that person even more.

So I hit the bottom of my overdraft facility and then a loan repayment standing order attempted to leave my account. That’s a big no no. You don’t have enough to cover that, so we’re going to charge you €12.70 for not paying the standing order, and then, we’re going to charge an extra €25 because you attempted to go over the limit of your overdraft.

Nice, thanks bank.