I'm such an idiot

[IGotSeoul]

goodness I laughed so hard.

 

[emre43]

I went to purchase one of Harry Moseley's bracelets only to find that my bank have now hit me with a Daily Unarranged Overdraft Fee (what the hell is that; I've never heard of it). And I am now overdrawn again, I have already been charged for my transactions and yet they have decided to charge me again for the same things. It makes me feel pig sick that the money that they have stolen from me was going towards 11-year-old Harry Moseley's charity and it is now instead going into the pockets of some fat, greedy, selfish, overpaid bankers (cockney rhyming slang!) pockets.

 

[latinoprince]

I started another thread a few days ago about how naive I am about stepping up to the wider world.

I am going to come across as a complete idiot whilst people are reading through this but here it goes. In late July I pre-ordered an item that is due out in November. Through previous experiences of pre-ordering items I have always paid at the date of dispatch, however, this time the money was removed four months in advance. Because of the fact that I had never previously paid in advance when pre-ordering items I went ahead with the order despite not having enough money in my account to do so at the time. I would have by November. Unbeknownst to me the money had been taken out and led to me becoming overdrawn. As I didn't know that I had overdrawn I continued to spend. When I found out a few days later that I was overdrawn I immediately took £130 out of my savings account (that I had been saving since I was a little boy for my university fees) to rebalance the books.

I am so naive it is almost unbelievable. I know absolutely nothing about banking and two days ago I looked at my latest statement to find that I had received six separate withdrawals of £25 from my bank account. Assuming it was some error I contacted PayPal asking them to explain what was happening. They told me to contact my bank and they can "teach me how to read a bank statement" (which I found a little bit rude). In my naivety I told them that I "know full well how to read a bank statement" but they insisted that I do that so I agreed. I phoned my bank and they told me that the charges to my account were overdraft fees (probably thinking that I am an idiot for not knowing this; I am sure that anybody else would have known this off of the top of their heads but I had no idea). I then had to switch another £150 of my student savings over to again take me out of the red.

I phoned these people up acting like I knew better than them when in fact I am just a naive little boy who isn't ready for the big world yet. I feel like such a clown... ::

Don't feel bad about not being aware of the overdraft fees, you are not less than anyone just because you didn't know this. So called "normal people" overdraft all the time and that's how the banks make money, the banks confuse you on purpose so that they can steal your money by charging you ridiculous amount even if you overdraft 0.99 cents. Stop beating yourself up, being naive is not a bad thing, it just shows how much of a good heart condition you have and you should embrace it rather than feel bad about it 'cause you are different and that's ok I'm telling you this because when I was reading this post it was like if I had wrote it myself, I used to feel the same way, then I realized that it's ok to make mistakes and that we are not less than anybody