How I got screwed. Without even taking my pants off!

[el freako]

Originally posted by shawnmmcc
"Building Society?" - not a term I am familiar with in the USA.

You would call them savings and loan institutions or something similar - usually (although increasingly fewer these days) mutally owned organizations who's main lending is for home purchase.

[Lefty Scaevola]

Re: How I got screwed. Without even taking my pants off!

Originally posted by faded glory How I got screwed. Without even taking my pants off!

At least you did not die horribly mangled in an accident.
Bank of America is crap for small customers. The only thing they are good at is generating fees (they even charge student acouts fees for making deposit with a live teller, instead of at the automated one). They are notorious for stupid holds on deposits: they even put a hold a small (a few thousands) US Goverment refund check for my dad (with a credit rating near the top), whereas my local bank did not put a hold on on a $465,688.oo check deposit.
Try Compass bank for small personal accounts, or maybe Wells Fargo.

[Saras]

From what I hear, if any of the banks working here wanted to take the US market with quality of service, it would take them 6 months.

[Rufus T. Firefly]

Originally posted by el freako

"Building Society?" - not a term I am familiar with in the USA.

You would call them savings and loan institutions or something similar - usually (although increasingly fewer these days) mutally owned organizations who's main lending is for home purchase.

In fact, we used to call them something similar; in It's a Wonderful Life (1946), the family business George takes over from his father is called the Bailey Building and Loan (and in the run-on-the-bank scene, George explains that he can't give everyone their money back all at once because it's all tied up in each others' houses).

[/film geek]

[Sikander]

Originally posted by Frankychan


I moved to a credit union.

That is excellent advice.

[Sikander]

Originally posted by Whaleboy


Like a bank but no shareholders...evolved from cooperative savings groups and can perform most of the functions of a bank, with the exception of large corporate accounts.

We call them Credit Unions here.

[faded glory]

Fixed. I went to the bank and talked to a manager. I told him the situation. He understood. He said he would take care of it. This morning my balance was normal minus only 50 dollars in overdraft fee's.

Im glad the situation is cleared up. It reminded me once of a worse situation i was in 1998

I had to use my paychecks to pay bills and use my credit card to eat, then the next month i shuffled the two. This lasted 7 months and eventually interest crushed me till I had to get a second job. I will never be that in debt again. I made only 25,000$ a year and acquired like 60,000 in debt. All this was a 21,000$ car loan, 2 personal loans worth about 13 grand total, 2 credit cards and a line of credit with Kays. Thats not even counting Rent, Insurance, and other misc bills. **** that sucked. I had to eat at my friends house and stuff cause I was so poor. I stole gas too.

Now I have one Capital One card with 175$ limit and auto warranty emergencies. I just got it. Thats the only credit besides my auto loan I want.