I rang HSBC again, ready to do battle.
Me: "I'm calling with regard to the charge you have applied to my account"
HSBC advisor "yes"
Me: "I would like you to return it to my account, please."
HSBC advisor: "Please bear with me whilst I look at the details madam. Can you hold?"
6 minutes of hold music later
HSBC advisor: "Mrs Minks, we have reviewed the circumstances of this charge and I have spoken with my supervisor and we will be returning the amount to your account."
Me: "Thank you"
WTF ??
Tuesday, August 29, 2006
look away. swearing about to commence
Those bastards at HSBC have decided to randomly fine me for going over my overdraft limit. Ok, I know I'm not meant to and usually as soon as I do I make sure there's a transfer to cover the over-overdraft amount.
So, usually HSBC don't penalise me, leaving me to believe that they understand I have funds and they are making enough money from me various interest and charges anyway.
This month however, they have done a 'spot check' and have fined me a huge amount. Fuckers!!
When I asked the poor customer services operator who received the rough end of my blazing mad stick why on this occasion they had fined me, but not on any other, she claimed I had been 'very lucky.' Its my fault for being lazy- but those cheeky twunts are taking the piss by lulling my into a false sense of security before penalising me like some naughty child. She might as well've said. " We charge you to look after your money but we don't actually look at your account very often, we just ring you and write to you and persuade you to take out a huge loan and credit card that you can't pay back BECAUSE YOU DON'T ACTUALLY HAVE AN INCOME. We spend the rest of our time funding terrorism, coups and wars and that. So overdraw as much as you want, love- we probably won't check, but if you do, you'll be in trouble."
I asked her to return the money to my account. Instead she offered to extend my overdraft.
I suggested she and her pirate employers stick their unethical banking and investment practices up their enormously fat arses, whilst I skip off to the Coop for some conscience free banking and 12 bottles of free wine (an offer with my name all over it.)
This has particlularly annoyed me because I've been trying to save some cash. Not easy when there's only one income and three hungry growing men (and one shrinking woman. I need a new wardrobe and might have to knit my own clothes this winter from recycled baby clothes!!)
So, I'm going to have to sell everything we own on eBay to make up the deficit and stop eating. Which means I'll need even more new clothes, unless I become so slim I can just cut my old clothes in half and recycle them that way.
So, usually HSBC don't penalise me, leaving me to believe that they understand I have funds and they are making enough money from me various interest and charges anyway.
This month however, they have done a 'spot check' and have fined me a huge amount. Fuckers!!
When I asked the poor customer services operator who received the rough end of my blazing mad stick why on this occasion they had fined me, but not on any other, she claimed I had been 'very lucky.' Its my fault for being lazy- but those cheeky twunts are taking the piss by lulling my into a false sense of security before penalising me like some naughty child. She might as well've said. " We charge you to look after your money but we don't actually look at your account very often, we just ring you and write to you and persuade you to take out a huge loan and credit card that you can't pay back BECAUSE YOU DON'T ACTUALLY HAVE AN INCOME. We spend the rest of our time funding terrorism, coups and wars and that. So overdraw as much as you want, love- we probably won't check, but if you do, you'll be in trouble."
I asked her to return the money to my account. Instead she offered to extend my overdraft.
I suggested she and her pirate employers stick their unethical banking and investment practices up their enormously fat arses, whilst I skip off to the Coop for some conscience free banking and 12 bottles of free wine (an offer with my name all over it.)
This has particlularly annoyed me because I've been trying to save some cash. Not easy when there's only one income and three hungry growing men (and one shrinking woman. I need a new wardrobe and might have to knit my own clothes this winter from recycled baby clothes!!)
So, I'm going to have to sell everything we own on eBay to make up the deficit and stop eating. Which means I'll need even more new clothes, unless I become so slim I can just cut my old clothes in half and recycle them that way.
Sunday, August 27, 2006
never start rumours
The poor lickle lads have stinking colds. Disappointingly, Ezra's has moved onto his chest and he has a bit of a cough. I am wavering between absolute panic and calm resolution and I've temporarily moved him into our bed so I can keep an eye on his breathing with inhaler at the ready.
I realised just how obsessive I was when I began timing his respiratory rate in the night and watching his clavicle intensely. "Stop staring Mummy" Ez groaned as he turned over.
Seth is waking several times in the night gasping for a drink. They are both eating like hogs during the day which means they are feeding themselves better- a good sign.
Seth has been sitting in his highchair chewing alternately on a piece of chedder and slices of cucumber for 1/2 an hour now and I am overwhelmed by how gentle and calm he is. We were at a friends house on Friday with some other deliciously yummy mummies. They all commented on how lovely he is. He can amuse himself for ages, he joins in with the big kids without a care in the world. They cautiously accept him, gently stroking his head or helping to feed him- but mostly they ignore him, in the same way they ignore each other.
He is very smiley, he likes to explore and loves a snuggle from the other Mums and Dads.
He is happy fearless and independent. I hope remains so forever.
I realised just how obsessive I was when I began timing his respiratory rate in the night and watching his clavicle intensely. "Stop staring Mummy" Ez groaned as he turned over.
Seth is waking several times in the night gasping for a drink. They are both eating like hogs during the day which means they are feeding themselves better- a good sign.
Seth has been sitting in his highchair chewing alternately on a piece of chedder and slices of cucumber for 1/2 an hour now and I am overwhelmed by how gentle and calm he is. We were at a friends house on Friday with some other deliciously yummy mummies. They all commented on how lovely he is. He can amuse himself for ages, he joins in with the big kids without a care in the world. They cautiously accept him, gently stroking his head or helping to feed him- but mostly they ignore him, in the same way they ignore each other.
He is very smiley, he likes to explore and loves a snuggle from the other Mums and Dads.
He is happy fearless and independent. I hope remains so forever.
Wednesday, August 23, 2006
rumour
I'm treating it with kid gloves. I don't want to get too excited about it. Its still not perfect, but,
last night we only fed Seth once. They both got up at 6.30am.
Keep it under your hat.
last night we only fed Seth once. They both got up at 6.30am.
Keep it under your hat.
Monday, August 21, 2006
procrastinators by design
We havent found anywhere to live. It seems that talking about it has not yet transformed into 'doing it'. Sleep depravation and work schedules seem to prevent any real activity.
Still, we've had two better nights, meaning that Seth is finally getting the whole point of nighttimes. A by-product of his epiphany is that will also be more rested, once our annoying neighbours stop hosting parties and playing 70's dirge at 3 in the morning and whooping "you go girl" at someone stomping to 'brown girl in the ring', and so back to why we want to move. Agh!
Being tired makes me guilty. Guilty because when I should be setting up some paints for Ez, whilst jiggling shiny objects with Seth and doing the washing and cleaning, I instead have been switching on Cbeebies whilst I try to figure out where we put the washing up liquid. (Of course its in the bathroom!) God Bless CBEEBIES.
So, anyway, I feel slightly more alert and will be wrenching the lads away from boogie beebies (much to their distress) and encouraging them to interract with me and each other in structured activities involving shiny paper, instead of "lets all read a book in Mummy's bed?"
I wonder how long the fun will last before we are all in tears and Fireman Sam is lulling them into a comfortable viewing coma.
Still, we've had two better nights, meaning that Seth is finally getting the whole point of nighttimes. A by-product of his epiphany is that will also be more rested, once our annoying neighbours stop hosting parties and playing 70's dirge at 3 in the morning and whooping "you go girl" at someone stomping to 'brown girl in the ring', and so back to why we want to move. Agh!
Being tired makes me guilty. Guilty because when I should be setting up some paints for Ez, whilst jiggling shiny objects with Seth and doing the washing and cleaning, I instead have been switching on Cbeebies whilst I try to figure out where we put the washing up liquid. (Of course its in the bathroom!) God Bless CBEEBIES.
So, anyway, I feel slightly more alert and will be wrenching the lads away from boogie beebies (much to their distress) and encouraging them to interract with me and each other in structured activities involving shiny paper, instead of "lets all read a book in Mummy's bed?"
I wonder how long the fun will last before we are all in tears and Fireman Sam is lulling them into a comfortable viewing coma.
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