the credit trap

i accidentally paid my rent twice this month - once by transfer on the friday, then an invisible direct debit came out the monday after (it doesn't show up on your account until after the first payment comes out, so how are you meant to be able to be sure if it's set up or not?) thus i incur another 25 pound 'informal over draft arrangemt' fee, along with a letter to the same effect.

i figure, i'll call them up, say if they don't cancel the charge, i'll switch my account away and close it... as soon as i've paid them back the money i owe them.

and i realised how futile that is. i realised how it was absolutely in their interest to keep me on the edge of my overdraft, they get to keep charging me interest, they keep getting to charge me overdrawn payments. we haven't got the same goal at all. damn.
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