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Pissed off at Banks
Aug. 28th, 2004 10:36 amThis looks like it will be a shortened rant, since the window closed down at the wrong moment!
The details:
My credit card is linked to my house loan, and the statement generated 2 weeks ago said they were going to debit $2000-ish.
I dumped some extra money into the cc to cover my Intimo lingerie kit (about $1,000) but that has not yet been debited.
For some reason, the bank decided to only debit $1,000 odd from my mortgage and put that into my cc.
So, I rang them up. The ladies are very nice, but the story goes like this: Despite what the bank prints out and sends you, on the day of the payment, they check your balance and then, if you are BELOW the amount owing, they ONLY DEBIT YOUR ACCOUNT FOR THAT AMOUNT. So despite the fact that I am depending on them to pay out the amount they printed out and sent me, they lied to me, and did not. Apparently "it's to stop your credit card having a positive balance." Excuse me??? Since when does the bank make decisions about MY ACCOUNTS BALANCES like that??? Would they like to decide that my cash account doesn't need to actually have cash in it, and delete everything for me?? Why don't they decide I don't even need a cash account and close it for me for fucks sake.
I'm really really pissed off, because this directly affects the way I run my budget, and the way I do my banking. I've switched banks before, and it looks like I may be doing it again, and this time to Unicredit! I'm starting to think that if I had a huge chunk of gold under the bed, robbers would be unable to lift it and then I'd feel a damn sight safer than I do now! I don't mind them charging when I let the CC get over our limit, but this is ridiculous! They hedged and hummed and harred when i said that I'd noticed a couple of disreptancies about 6 or 9 months ago for several months in a row, but thought that they'd worked it out, and had they got new CC software, and eventually they gave in and admitted that yes, last November they got new CC software. *sigh* The worst thing is that there's nothing I can do, really.
How am I supposed to take on, and win, against the banks? How dare they affect my life so directly, they are here to provide a service, and they already charge like wounded bulls, post huge profits, and then turn around and say "Oh, by the way, we're making decicions for you. You obviously don't need *this* because we can count." Counting has very little to do with my budget; making sure I have enough money in the right place at the right time is what my budget is more focussed on. I know I have enough money, it's just where it is that's the important thing. And now, it looks like I can't even trust the "automatic" systems that they've put in for me.
I really do feel quite betrayed, and my trust has been severely dented. Perhaps I should change it to manually making the payment every month, but that's why I liked the automatic system, so it never got into human hands, and so it never changed! So now they've made the computers more human??
Really, really, really, unhappy.
And this bank was doing so well, too. I expect we'll remain with them for a while longer (prolly until we can pay out the house loan) but I liked this bank. Liked being the operative word. I spose, in the end, it's nothing more than a tempest in a teacup, but hell, if you can't trust your bank, then they must be an enemy and must be exterminated. I guess this means I have a new goal, to run in tandem with all my others - to get the house loan finshed/re-evaluated/changed since this is one master I can't trust with his responsibilities, and can't use a safeword on. This was a policy decision made without the customer in mind. This sucks. How dare they govern my balances like that. It's only their business if I don't have the money to pay for the services I have used. Grrrrrrrrr.
I think I will go rant in the shower now, I think I am starting to repeat myself.
:-)
Grrrrr. Still.
The details:
My credit card is linked to my house loan, and the statement generated 2 weeks ago said they were going to debit $2000-ish.
I dumped some extra money into the cc to cover my Intimo lingerie kit (about $1,000) but that has not yet been debited.
For some reason, the bank decided to only debit $1,000 odd from my mortgage and put that into my cc.
So, I rang them up. The ladies are very nice, but the story goes like this: Despite what the bank prints out and sends you, on the day of the payment, they check your balance and then, if you are BELOW the amount owing, they ONLY DEBIT YOUR ACCOUNT FOR THAT AMOUNT. So despite the fact that I am depending on them to pay out the amount they printed out and sent me, they lied to me, and did not. Apparently "it's to stop your credit card having a positive balance." Excuse me??? Since when does the bank make decisions about MY ACCOUNTS BALANCES like that??? Would they like to decide that my cash account doesn't need to actually have cash in it, and delete everything for me?? Why don't they decide I don't even need a cash account and close it for me for fucks sake.
I'm really really pissed off, because this directly affects the way I run my budget, and the way I do my banking. I've switched banks before, and it looks like I may be doing it again, and this time to Unicredit! I'm starting to think that if I had a huge chunk of gold under the bed, robbers would be unable to lift it and then I'd feel a damn sight safer than I do now! I don't mind them charging when I let the CC get over our limit, but this is ridiculous! They hedged and hummed and harred when i said that I'd noticed a couple of disreptancies about 6 or 9 months ago for several months in a row, but thought that they'd worked it out, and had they got new CC software, and eventually they gave in and admitted that yes, last November they got new CC software. *sigh* The worst thing is that there's nothing I can do, really.
How am I supposed to take on, and win, against the banks? How dare they affect my life so directly, they are here to provide a service, and they already charge like wounded bulls, post huge profits, and then turn around and say "Oh, by the way, we're making decicions for you. You obviously don't need *this* because we can count." Counting has very little to do with my budget; making sure I have enough money in the right place at the right time is what my budget is more focussed on. I know I have enough money, it's just where it is that's the important thing. And now, it looks like I can't even trust the "automatic" systems that they've put in for me.
I really do feel quite betrayed, and my trust has been severely dented. Perhaps I should change it to manually making the payment every month, but that's why I liked the automatic system, so it never got into human hands, and so it never changed! So now they've made the computers more human??
Really, really, really, unhappy.
And this bank was doing so well, too. I expect we'll remain with them for a while longer (prolly until we can pay out the house loan) but I liked this bank. Liked being the operative word. I spose, in the end, it's nothing more than a tempest in a teacup, but hell, if you can't trust your bank, then they must be an enemy and must be exterminated. I guess this means I have a new goal, to run in tandem with all my others - to get the house loan finshed/re-evaluated/changed since this is one master I can't trust with his responsibilities, and can't use a safeword on. This was a policy decision made without the customer in mind. This sucks. How dare they govern my balances like that. It's only their business if I don't have the money to pay for the services I have used. Grrrrrrrrr.
I think I will go rant in the shower now, I think I am starting to repeat myself.
:-)
Grrrrr. Still.
