Fuck The Banks
For all of you who have been following my personal saga of divorce and destitution (which will make a great country song once I'm divorced), I have learned a couple of things; this post is one of them.
I had to close all my bank accounts when I filed for divorce and open a new "clean" one with a different bank. And I had to take out a $5K loan with that same bank on the same day. I run on about no money, but with a $7K credit line, I figured I am pretty safe. Wrong. In the last 30 days, the bank has run the same three checks through, again and again, and each time they do so, they charge me $33.00 - so, $1,254 later, I have decided that banks may not be the best place for my money. I asked my girlfriend about this and her answer was "that's how banks treat poor people." I think she's right.
On Tuesday morning, I am going to close my bank account. Then, I am having my attorney call them and demand all the returned check charges back. He's a good guy and since I told him I would split the $1,254 with him if he gets it back, he's in. Meanwhile, I have learned that I am better off not dealing with banks at all. Why do I need a bank? I felt so bad about being late on bills this month that I paid one. Don't ever do that. The leeches are coming out of the woodwork over $100 or $200 - WTF? They call me a dozen times a day over $100 yet I bought $70K worth of motor vehicles this year and nobody bitched.
I decided I will run on cash and Paypal. Oh, yes, I know that Paypal and ebay are anti-gun. Great. Take your stand and avoid them, which is pretty much like avoiding Amazon.com or Chase Bank. Since I don't give a shit about who is in favor of what (as I sure know I won't let anybody take my Hi-Power away), I don't care about who is or is not being politically correct about firearms. Like I am going to boycott XYZ and make a difference. What I am going to do is drop off the financial grid.
My two cents of advice: don't let banks fuck you over with stupid charges. Just say "NO" and move to the cash economy. I have learned that it is very strong.
Update: went to the bank today (6.2.2010) to close the account. This is after talking to three other banks, Paypal and Wells Fargo [and a pile of others including my attorney]. Incredible how the manager said she'd refund the fees. Since I was late to an appointment with the afformentioned attorney so I could sign my bollocks off to my lovely bride, the manager said she'd call me. Of course no call and no credit in my account as of 9:28 PM CSDT. Like I said, fuck the banks.
I had to close all my bank accounts when I filed for divorce and open a new "clean" one with a different bank. And I had to take out a $5K loan with that same bank on the same day. I run on about no money, but with a $7K credit line, I figured I am pretty safe. Wrong. In the last 30 days, the bank has run the same three checks through, again and again, and each time they do so, they charge me $33.00 - so, $1,254 later, I have decided that banks may not be the best place for my money. I asked my girlfriend about this and her answer was "that's how banks treat poor people." I think she's right.
On Tuesday morning, I am going to close my bank account. Then, I am having my attorney call them and demand all the returned check charges back. He's a good guy and since I told him I would split the $1,254 with him if he gets it back, he's in. Meanwhile, I have learned that I am better off not dealing with banks at all. Why do I need a bank? I felt so bad about being late on bills this month that I paid one. Don't ever do that. The leeches are coming out of the woodwork over $100 or $200 - WTF? They call me a dozen times a day over $100 yet I bought $70K worth of motor vehicles this year and nobody bitched.
I decided I will run on cash and Paypal. Oh, yes, I know that Paypal and ebay are anti-gun. Great. Take your stand and avoid them, which is pretty much like avoiding Amazon.com or Chase Bank. Since I don't give a shit about who is in favor of what (as I sure know I won't let anybody take my Hi-Power away), I don't care about who is or is not being politically correct about firearms. Like I am going to boycott XYZ and make a difference. What I am going to do is drop off the financial grid.
My two cents of advice: don't let banks fuck you over with stupid charges. Just say "NO" and move to the cash economy. I have learned that it is very strong.
Update: went to the bank today (6.2.2010) to close the account. This is after talking to three other banks, Paypal and Wells Fargo [and a pile of others including my attorney]. Incredible how the manager said she'd refund the fees. Since I was late to an appointment with the afformentioned attorney so I could sign my bollocks off to my lovely bride, the manager said she'd call me. Of course no call and no credit in my account as of 9:28 PM CSDT. Like I said, fuck the banks.
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