July, 2004
This one is sort of a past story, but it seems to provide some entertainment value (and some shock value for some…I suppose depending on your view of me). I like to think I’m pretty easy going about some things, and fairly trusting of people when they say that they are going to do something for me. I trust customer service people, and above all, I try not to make waves…especially with people that have something to hold over me (like my bank account). This story actually begins probably about November of last year…
Having been with Crédit Lyonnais (upon the recommendation of the person in charge of exchange students when I arrived) since January, and despite having a “student account” (I think I’ve mentioned before that students get all kinds of discounts and stuff in France, probably in part due to the fact that most people don’t get their first paying job until after university), I had already reached an important conclusion: banking in France is over-priced. Having had many discussions about this, though, I have learned that apparently interest rates on loans are fixed by the French government, so in defense of the banks (this may be the last time I ever do something so bizarre as defend a bank) they make less on loans, which means that they need to gouge clients in other ways (that’s a good defense, right?). I have also since realized that the 4.50euros for the privilege of having an account is actually only every 3 or 4 months, rather than every month. This, by the way, is the student rate.
So anyway, late last year, I decided to get internet access to my bank account, so that I could keep an eye on things, and know when it was safe to send money to my Canadian lines of credit, and get this student debt paid off. When I asked at the “accueil” (reception, where most such things are dealt with), I remember being really surprised that it was 7 euros a month (no, I’m not kidding) but that it would be only 3.50 (oh gee, is that all) since I have a student account. I was surprised that I had to pay at all…especially thinking back to my good old PC account in Canada. But no, she said, I was already getting a “deal” at half price. Riiiight. So I signed up anyway, resigned to the irritation of the cost of banking in France. Let’s put this story on the back burner, and look at the more recent, more significant, problem I had…
Canada Day was tight, when I unexpectedly received a 210 euro electricity bill for my old apartment. My previous bills had been around 20 euros, so I was more than a little surprised, and definitely wouldn’t have the money (even had the 240 euro rent payment not been sent off) since money was already going to be very tight for the month (in reality…I probably couldn’t have swung it in any case since I had not yet been paid for my week at Sainte Marie). I called Michel (my boss at Sainte Marie) who was extremely obliging. He offered to advance not 200, but 400 euros from my pay, however he was on his way out the door for the weekend, but since I was desperate, arranged for Jérôme to make the delivery, thus saving my butt. I headed into town, and deposited the money right away.
On the morning of July 2nd, I checked my account to make sure that the 400 euros were in my account, only to discover that the automatic payment to my old landlord, which I had cancelled June 18th had, indeed, gone out on the 1st. I was particularly irritated since I had made sure that I was not making the request too late, and that nothing would be sent on July 1st. I had been assured that it was cancelled, and given a signed sheet to confirm.
I called my old landlord, leaving a message telling him that I had a problem, but not elaborating. I then went straight to the bank, confirmation in hand, and told them of the issue. The (same) lady found it odd, but re-cancelled the thing, gave me another signed confirmation, and told me that the money would be back in my account in 3 or 4 days. A few days later, upon checking again, I discovered that not only was the money not back, but they had also charged me for the automatic transaction. Nothing like rubbing a little salt in the wound. (Had the transaction been done as a one-off, it would have cost 3.50; you see why I dislike French banks…apparently if you deposit cheques directly with the teller, you pay something like 7 euros…to deposit a freakin’ cheque!…it’s free if you drop it in a box made just for that inside the bank; they process it later that day in that case).
On the 7th, I went back again, but the reception lady was too busy, so she sent me in to see my actual banker (whom I had never met, because last summer he had replaced the person I’d originally set up the account with, and dealt with for any problems…since reception was always able to do what I needed done; change my address, order cheques, sign me up for services to rip me off…I’d never needed to). He tried to call the person in charge of such things, but they were on “congé” (a day of holiday). He promised to try again the following day, but also said that such transactions take closer to “8 jours” (the bizarre French way of denoting a week; 15 jours is 2 weeks…go figure). Already I’m sure I was straining our previously non-existent relationship since I was showing up without an appointment (oooooooooooooo).
He suggested I ask my landlord for a cheque, but since the thing was already being processed, I figured that the time and annoyance of doing it (especially since we didn’t know where in the process the reimbursement was) was probably not worth it.
Since the electricity bill wasn’t supposed to come out (it was already on automatic payment, but via the electricity company, so I couldn’t have stopped it regardless) until the 13th, I still had time, but just to be safe, I asked whether my account had overdraft protection. It didn’t, so I set it up, confirming, several times, that if I was to go into overdraft any charges / fees would be reimbursed since it would be the fault of the bank if I went into overdraft. We got things set up, and I got another one of my banker’s limp dead-fish handshakes (shudder) as I left.