January 18, 2006

Lawyer letter from the bank?

I extended credit to nearly 11,000 last 3 month, because of the buzi travel; the bank doesn’t have a branch in the city where I am, so the bill stays up to now. The bank mentioned about the bill several times in different way, by sms, by phone, by mobile, and this time, by lawyer letter. It’s lucky I don’t leave an email address on my account profile, otherwise, it’s not a surprise they send tons of email for me. I have though about transit the bill for them by my online bank, but I have to provide the bank’s branch address where I create my account. Every time the bank phoned me, I asked for their branch address, -- they didn’t know! Ha, it seems they are absorbed in asking me to pay my bill, but do not care about how I could pay my bill for myself. The sms messages are also funny, “PAID THE BILL BACK, PLEASE!!!” Woo, are they shouting on my screen?

OK, this is the bank! They entice you expand your overdraft, so that they make large amount of incoming from the highly interest. But at the same time, they are scared about you don’t repay the money. I am not criticizing their model for margin, I am just think they should pay more attention in taking care of their client while swindling high level margin from them. If they think a lawyer letter would handle everything, let me say, go ahead.

Once, they make me to be sick of their 9:00 am, 11:45am, and 2:30pm calling only for the money.

I start to fight back: “Well, How can you say these words, SIR? I wonder where your wage comes from. It absolutely comes from the accrual I pay for the credit card every month. Yes, I have arrearage, but you account my arrearage by highly interest at the same time. On the other side, if everyone like me pays off our arrearage at once, how can you keep your income from my pocket? Dame it, notice your service but not only focus your eyes on the money. Have you think about how many ways for me to pay the arrearage? Can you provide the information I need? All you have done is keeping asking for money. Money will not come to your pocket if you only shouting at it. If you cannot tell me where the fucking branch address, hand up my mobile, you are wasting my phone bills even now!”


At 1/20/2006 01:33:00 PM, Anonymous jason said...

congratulations! ha ha...
is it your first time?
do you feel nervous about that?
i've had a lot...

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