Thus, I had a temporary overdraft. Unfortunately, as it was there, I used it.
Now, my temporary overdraft is due to expire today, and I have a debit balance.
I applied for a loan to cover the difference. The system said no.
I applied for a new overdraft to take over from the temporary one. The system said no.
(Why did they say no? The past sucks, that's why.)
Then they remembered that I hadn't asked for an overdraft when I originally applied for the account, so they put in a slightly lower overdraft as if I'd requested it in my application.
The system said yes! :o)
My original idea was to phone them up each month to reduce the overdraft, ultimately to zero. They told me that I could only amend my overdraft once every six months!!
This, I think, is a good test of my new (but unhoned) money handling skills!! LOL