(no subject)
Dec. 5th, 2003 01:56 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
liadnanBah.
Mood becomes even worse as bank charges £30 for a bounced DD (pension, for what it's worth).
Mood becomes still worse when it becomes apparent that the bank seems to be under the impression that a cheque was paid in on Monday when in fact it was paid in (via machine) before 3 on Friday.
Apoplexy approaches when bank, having shunted me from the dedicated line for such matters "because it's too busy" (?) and onto general customer services, states that despite having a general stated policy of not charging when there is an uncleared cheque to cover the sum in the works, and despite admitting the error on the date my cheque went in, will not refund the charge because their policy of allowing you to draw on an uncleared cheque only applies to cash withdrawals. Responses of:
(a) why the distinction;
(b) bollocks, you've done it in the past and if you hadn't made the error on the date I bet you would have this time too;
(c) why, in this day and age, does it take five working days to clear a cheque anyway for fucks sake, and who gets the interest for the days the money is out of one account and not cleared into the next?;
(d) have you informed the shareholders that your business processes etc are so bad that it costs you £30 to bounce a payment?
fail to have any effect.
In general though, it can't be denied that I appear to have royally screwed my finances again in any event, and I haven't even bought any Christmas presents yet.
Either next week is better than this one or I start thinking about the "selling carpets in Istanbul" plan again.
Ho hum. Maybe drinks with Rik; Phil; Lal; and anyone else who makes it tonight will help.
Mood becomes even worse as bank charges £30 for a bounced DD (pension, for what it's worth).
Mood becomes still worse when it becomes apparent that the bank seems to be under the impression that a cheque was paid in on Monday when in fact it was paid in (via machine) before 3 on Friday.
Apoplexy approaches when bank, having shunted me from the dedicated line for such matters "because it's too busy" (?) and onto general customer services, states that despite having a general stated policy of not charging when there is an uncleared cheque to cover the sum in the works, and despite admitting the error on the date my cheque went in, will not refund the charge because their policy of allowing you to draw on an uncleared cheque only applies to cash withdrawals. Responses of:
(a) why the distinction;
(b) bollocks, you've done it in the past and if you hadn't made the error on the date I bet you would have this time too;
(c) why, in this day and age, does it take five working days to clear a cheque anyway for fucks sake, and who gets the interest for the days the money is out of one account and not cleared into the next?;
(d) have you informed the shareholders that your business processes etc are so bad that it costs you £30 to bounce a payment?
fail to have any effect.
In general though, it can't be denied that I appear to have royally screwed my finances again in any event, and I haven't even bought any Christmas presents yet.
Either next week is better than this one or I start thinking about the "selling carpets in Istanbul" plan again.
Ho hum. Maybe drinks with Rik; Phil; Lal; and anyone else who makes it tonight will help.
![[identity profile]](https://www.dreamwidth.org/img/silk/identity/openid.png){kind=small}
no subject
Date: 2003-12-05 06:33 am (UTC)Hope next week is *much* better for you. There have been some massive delays in my payments too and 'finances' is a touchy word...
no subject
Date: 2003-12-05 06:50 am (UTC)no subject
Date: 2003-12-05 09:55 am (UTC)Oh dear
Date: 2003-12-05 10:44 am (UTC)no subject
Date: 2003-12-05 11:16 am (UTC)Sorry. My rant. I simply meant ... if you need someone to tend the camels, give me a call.
Re: Oh dear
Date: 2003-12-06 06:26 am (UTC)no subject
Date: 2003-12-06 06:33 am (UTC)commiseration
Date: 2003-12-09 08:46 pm (UTC)actually, i find intense and inventive swearing to be my choice of action... getting old relegates physical action to only the most extreme of cases...
do yall have "credit unions"?? i [years ago] left my commerical bank for my local employee's credit union where i find myself treated less as a potential investment but as a valued customer... whoa, what a concept...
and when they do screw up, and they *do*, puny huuuumaaaans, they apologize and send letters to those whom their mistakes made me appear to be a big fucking loser...
but for the really big screw up's, i depend on the USPostal service... stupid fuckers...
can i curse here?
Re: commiseration
Date: 2003-12-10 03:09 am (UTC)To be honest, I think we do have them but I know less about banking law than I should. I think they are very limited in what they can do.
Wer also have mutual building societies (ie no shareholders, the account holders are the owners) but they were limited in what they could do (could only lend money secured on land for one thing) and most of them turned themselves into joint stock companies indistinguishable from banks recently.
There is also one, and only one Private Bank in the country, Hoare and Co.: they only have incredibly rich clients though. I have acted for them in the past.