Uh Oh, I've Just Flown Above The Radar

So I have pissed off the bank gods. I noticed that I wasn't able to access some money in my overdraft over a week ago and then again last week on payday. I called the telephone centre and they didn't know. But it happened the first time a couple of days before payday so no big deal. And then I noticed it again. So I called again and they sent me to my home branch. I never go there or talk to anyone. I do absolutely everything online but use the ATM. I called twice and left messages and received no response. So I expected everything to go as it normally would. It should have been fine except my mortgage payment didn't come out.

Anyhow, I sent an online message and then the bank phoned to tell me there were two problems (1) I have had 9 items returned in the past two years and (2) I have a savings account in overdraft that doesn't have an overdraft. Number 2 I know is a problem and I have been eking away at it but obviously not fast enough for them. Number 1 - obviously I am not a banker but 9 in two years doesn't seem all that bad to me. But obviously it doesn't matter what I think.

So I was told that if I pull up my socks and use the account appropriately for 3 to 6 months, then the held amount will be released. And it's a goofy amount too - $255.12 - bizarre. So I said why not take of the hold to make the mortgage payment. She was shocked that they would not take the payment and said she would look in to it and called me back and the mortgage was paid. Basically it means I have to stop being an idiot when it comes to money. I knew that but at least this is more motivation.

Sigh, everything gets better in 14 months when my car loan is done.