The first call was on 29th December 2010, on my Grifter channel, and the second on my Fiskyjay channel, both are embedded below.
The first call i got was a customer service rep asking me to pay £50, as i had only paid 100 from a 150 bill, now i would pay the full amount if i could afford to, but as i'm unemployed and only receive job seekers allowance £100 a month is all i can pay, unless i want my phone line turned off or my mobile phone cut off, which i don't want either don't, so i pay want i can afford.
The rep then told me that i've been a great customer for 8 years, always paying my monthly bills on time and usually more then i needed to (I was trying to clear it so i'd be rid of it forever) so i asked, if i've been such a great customer then can HSBC do me a favour, he told me he'd see what can be done about it.
Well, he came back and told me that the monthly bill of £150 (Actually £149) can be reduced down to just £100, because thats all i could afford to pay, so i'm like, Great, fantastic thank you. Then he drops the catch, if i accept that offer, my Credit Status will only be fucked for 6 years after i pay off my credit card, yep, my credit status will be fucked.
So lets say it takes me 5 years to pay off my card, and i'm finally rid of it for good, my credit status will still be screwed for a further 6 years, Thats 2021, i'd be 44 years old, and until thats sorted it's unlikely i'd be able to get a mortgage, or a loan, incase of emergency.
How exactly is that helping me?
He kept going on about my unemployment as a short term to long term thing, how should i know how long i'm going to be unemployed. Taking that offer fixes the short term problem but creates another one in the long term. How the FUCK does that help me?
I basically said no to that unhelpful offer.
That same guy called again to day (18.1.11) and told me that i'm £49 behind my monthly payments, yea because i already told you, i can't afford to pay the full 149, he then asked if i could pay it.
I swear to good, these people are drones, they can't be human and be that fucking stupid, can they?
Anyway, i basically started shouting at the poor guy "The banks coursed this financial bullshit we're in, then we the tax payers bail them out, and now the banks are pestering us for more, and now VAT is up 2.5% to 20%" i did this very loud in a public street.
Maybe i'm in the wrong, i got the credit card in the first place and should have only spent what i could afford to pay for, ok lesson learned, but the banks basically harass us for missed payments, even if you can prove your unemployed and can't pay the full amount, there is no policy, precedent for the common and decent thing to do, you spent the money, now you better pay up, i don't care if you don't actually have it PAY UP.
Credit Card companies are no better then an illegal loan shark, but at least with a loan shark you understand exactly what the deal is, the guys a criminal. With large corporate banks, you'd expect different, you'd expect that if i can prove that i can't pay right now because of unemployment that there would be some policy set in place to put on hold your payments until you are working again, of course you'd have to prove your unemployed, so a Job Centre claimer number, which you give to the Bank, they check it, then put your account on hold, every month its checked again, until your no longer claiming Job Seekers Allowance.
They check my account once a month anyway, well a computer does, but surely in this age of computer technologies its easily within our grasp.
But then the Banks couldn't claim more money from you, Late fees, over due fees, and the extra interest from that. No, the Banks only want their money, weather you can pay it or not.
We should all take the time out of our hectic lives to kick a bank manager in the balls.
To be a great customer means nothing to the Banks, once they have you, they no longer care about you, your just a number, an account number, a mindless voice on the other end of a telephone, faceless, and in no way must they respect us, because that would be the human thing to do.
Banks are here to service us, we give them our hard earned money to look after, and for that we have no choice, we need a bank account, because without one, we can't really work legally. We are basically at their mercy for which they have none.
Credit Cards are worse, they are pure evil and if anyone reading this is thinking about getting a credit card, please DON'tT, it might feel good to spend that money but, remember its not yours, and if you can't pay it back fast enough, you'll be paying it back forever, and while that is happening, they own you.
Some people might sympathise with you, i would, and if you've read this far then you'd understand that, but some people won't, they'd say that its your fault for getting a credit card in the first place its not "YOUR" money. And that you should stop behaving like a victim because your not, you made the choice to get a credit card, now live with the consequences.
They think that hard truth is helpful, well it ain't, sorry but that kinda crap isn't what we're looking for, its tantamount to saying "Well if you didn't want your leg to get blown off by an I.E.D. then you shouldn't of joined the army, and gone to war".
Ok, that analogy was a bit strong.
Credit Cards are shoved down our throats, and one day, those people might end up in a similar situation, and i can bet my credit card limit, they will change their tune fast.
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