Joann Foley

My bank has a collections department that calls and hounds you to death if your checking account gets overdrawn. I told the guy that I’m working with a bank clerk to get the problem straight but that’s not good enough for them. They are sticking overdraft charges on my account every three days that it shows overdrawn. It’s $25 each three days. Holy crap. That can’t be legal can it? This overdraft isn’t even my fault and now they want to hit me with almost $300 in fees. I don’t know how this will ever work out.

Another big problem with my bank has popped. I had a big fight with them about a year ago and pretty much stopped going there other than letting my minimum balance sit in my checking account so it sat there for free.

Well, I had an urgent need to raise some cash and there wasn’t enough in that account without making an additional deposit. I dug out an old money order and all the loose cash I could find to make a deposit, which they took without issue. So I wrote a check against my balance and expected to leave about $50 in the account.

That was two weeks and not a peep from my bank about any issues, but when I logged in to my online account to verify that the check cleared, I was horrified to find a negative balance on the account. Evidently, the bank returned the money order for some reason and has been charging me for overdraft fees for 2 weeks. I have a huge negative balance and am totally freaked out.

I can’t imagine why the money order would be returned and charged back to my account. That makes no sense to me at all. I thought a money order was the same as cash. WTF?

A friend of mine was in a spot and needed to borrow a few dollars. I felt the need to help her out, so I wrote a check for her to take to her bank. I assumed she would deposit my check and write a couple checks from her account to pay the bills. But it turns out that she does not have a bank account and needed to cash the check at my bank so she could buy money orders to pay her bills. Well, that didn’t turn out so good, as there are no local branches of my bank anywhere around where she lives. She had to give me back my uncashed check and just borrow money from a neighbor who had cash in hand.

That’s very frustrating – you would think that in today’s world there would be a better system of making places available to take care of your money matters.

The town that I live in now has just about every fast food restaurant that you could think of and new family restaurants are popping up left and right, no wonder we are turning into such an obese society with food at each and every street corner and leading you to their temptations that are advertised so delightfully and appetizing.

One of my favorite fast food place in town is Taco Bell, the food is fast and cheap and they have a drive in window with a decent speaker system that allows you to actually hear and understand what the clerk is saying to you. That is a rarity these days.

I’m not a fan of Dentistry and it really sucks because I know that I have a cavity, but I begin to get so uptight when ever I have a scheduled appointment with my dentist. He is a great guy, been going to him forever and a day, his prices are as reasonable as the next guy, and is easy on the eyes, but . . .

I have dental insurance so the cost isn’t a major issue, although co-pays can add up by the end of the year for all the medical issues that I have been facing lately. But I just don’t like someone in my mouth and even thinking about needles and drills going on just creeps me out so very badly.

I know I need to call, the holidays are now upon us and a lot of people are going out of town, it would really suck to start having a toothache during all of the festivities that are in the makings for this years celebration on the anniversary of the birth date of our Lord Jesus.

Maybe I need to tell me Mother about the issue, I know that she will nag me until I get off of it and call and the darn thing taken care of and done with it all. She is good at such things, gotta love her.