Chaotic bank-situation
I suppose it’s only fair that I got to feel the financial crisis as well, but fairness aside, I would’ve preferred to avoid that situation.
Two days ago, I came home from work to probably the nastiest surprise I have had in many years. In my mailbox was a letter from a bank I used to use years ago, called Arbejdernes Landsbank. Suffice to say that my experiences with that bank were so bad that for more than three years I refused to open a bank-account ANYWHERE. The letter in my mailbox confused me, because the last I had heard from these people was eight years ago, when I was teeter-tottering on the edge of insanity and I was such a nervous wreck that I was in constant danger of getting hospitalized on suicide watch.
Back then, that bank loaned me money. I mean, that in itself is not a good thing. It was hardly a secret that I was in treatment for transsexuality, and I doubt anyone who met me for more than five minutes were unaware of the state of my mind. They still let me take out loans. Not huge ones, but big enough that I ended up in trouble paying them back. That happened because I had to quit my education back then. I was too sick to attend, and so I ended up on wellfare but because I was still only 24 years old, I wasn’t elligible for more than HALF the wellfare rate. The maddening reason for that is, that legislaters assume that when you’re under the age of 25 your parents can then help support you. Nevermind the fact that some people don’t HAVE parents. Nevermind the fact that some people have parents who THEMSELVES are on wellfare, or as in my case…have parents who at the time wanted nothing to do with me. So I had only 3500 kroner every month on which to survive. Thankfully, my Grandmother helped me month after month, out of her very meagre pension, or I’d have been in every kind of trouble. Even with her help, I was in a very tight spot. My rent was 1800 kroner a month, and the bank demanded 500 kroner on the loan. That left me with 1200 kroner every month to buy everything else for. Food, clothes, you name it. That meant I was living at about two thirds of what was officially deemed subsistence minimum at the time, and the only way I managed was, as mentioned, because my grandmother helped me out completely unselfishly.
So I went to the bank and told them…’look, in six months I turn 25, and I will get the full amount and I can pay you your 500 kroner a month, no problem. But right now, I can’t, but I want to show some good will so can I pay you 200…maybe 250 a month until then?’. I mean, it doesn’t sound like a lot…250 kroner is 50 dollars or so…but when you are THAT POOR it’s a small fortune and would have made a world of difference for me.
Sadly, my bank advisor back then told me, to my face, to keep paying the 500 kroner every month…or else!
I had no choice but to take the ‘or else’. So it ended up in court. Sick as I was, I couldn’t go there myself, so my social-worker went on my behalf. This is where the conundrum starts. The way I understood things, the bank had to give up on getting the money back. It was out of the way, done…finito. I could breathe more easily, and forget about it. I now realize that was my sickness convincing me that this was what happened. In reality, what happened was that the bank (represented by smarter people than my usual bank-advisor), agreed to set aside my case for a number of years, until I got better. But they weren’t giving up on getting their money. In those eight years, they’ve drawn interest for three of them, and the amount they now say I owe them is up to 31.200 kroner.
Pay up!
Needless to say, I was badly shocked. Who among us has 5-6.000 dollars laying around, just like that? I sure as shit don’t, if you’ll pardon my language.
I didn’t panic, but I did get very upset and quite angry, and I immediately started calling around. I got a hold of my father, my brother, my boss and a number of other people. So yesterday I had the day off to get this thing taken care of.
Fortunately, you see, the bank also included in the letter, an offer to pay one third of the amount I owed them … 10.400 kroner … in one go, and that’d take care of it. I’d get a receipt and we’d be even, permanently and for good.
I think anyone would agree with me that they’d rather pay off 10.400 kroner than 31.200 kroner. Simple logic. The problem, of course, is that I don’t have 10.400 kroner laying around EITHER. That’s pretty much all I get for a whole month, including what I need for rent and food and … so … on …
Does this start to sound familiar? It sure does to me.
Fortunately, my parents and my brother are helping me. I’ll get the money together and pay these people and be done with it, but I hate having my past come up and bite me like this. I especially hate that this is probably the reason why my credit history has been so bad and why my current bank are so unwilling to loan me money. THEY could see this when looking up my credit situation, but no one told ME about this, and so I remained in the wrongful belief that this ancient loan was long gone.
I wonder if I’ll ever get my life on track after those nine years of absolute chaos where my mind went squab-kaburdle-whoop-whoop-yippee-where’smypinkpill-sblotch!
I’m tired of getting beaten down at least.
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