Banks. Why do we bother?
2006-Jan-25, Wednesday 22:54![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
matgbImportant message (please pass it on) Royal Bank of Scotland is shit.
For some reason, I can't avoid them today, having taken an extra hour at lunch trying to sort the finances out (red final demand sir? Sorry, no, we can't extend your overdraft, you went over your limit last month sir. Yes, I can see that you have to pay it, yes I can see that you only went over by a few pounds for a few days, and yes it does appear that was due to us charging you some interest on the same day you withdrew £20. Computer stills says no sir; try this number, they'll run the same request again on the exact same computer system, then wonder why I told you to ring them...), every blog I click on seems to have a finances story (well, two, here's the other one). Ah well.
Got home, opened the post, it appears the council may owe me £250 in overpaid council tax (they got capped y'see). That is, if what I can see from the bill is correct, the numbers make no sense at all, it may be I'm just in credit because I paid the whole year in September and they're confused.
For some reason, I can't avoid them today, having taken an extra hour at lunch trying to sort the finances out (red final demand sir? Sorry, no, we can't extend your overdraft, you went over your limit last month sir. Yes, I can see that you have to pay it, yes I can see that you only went over by a few pounds for a few days, and yes it does appear that was due to us charging you some interest on the same day you withdrew £20. Computer stills says no sir; try this number, they'll run the same request again on the exact same computer system, then wonder why I told you to ring them...), every blog I click on seems to have a finances story (well, two, here's the other one). Ah well.
Got home, opened the post, it appears the council may owe me £250 in overpaid council tax (they got capped y'see). That is, if what I can see from the bill is correct, the numbers make no sense at all, it may be I'm just in credit because I paid the whole year in September and they're confused.
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no subject
Date: 2006-Jan-26, Thursday 03:30 (UTC)Because, at any given time, some of us will want to be saving money whereas others will want to be borrowing, and it costs too much in terms of time and risk for those two groups to organise loans and interest between themselves. Thus, we have the intermediary of the bank which takes on the monitoring, administering and enforcing and takes some profit off the top to pay for doing so.
I agree!
Date: 2006-Jan-26, Thursday 12:24 (UTC)Two years later, it was paid off. I suspect I now have bad credit because of it.
The really gauling thing is that I can't prove I sent the letter to the bank notifying my change of address. I can only assume it got lost in the post somewhere.
Don't even get me started on the Council...