Brazilian, here. For some personal reasons, I accrued some debt. Nothing eye watering, specially when converted to dollars, but nevertheless a quantity that has to be paid. I’ve been in talks with the bank over possible ways to make it a bit more palatable, and in typical fashion they’ve been unhelpful, uncooperative and largely pretend I don’t exist until it’s time to make a payment. Well, just now, they cashed out too much money before I got to pay (for the stated purpose of paying the debt), so I can’t actually pay the damn thing. As a result, I’ll have to go through all sorts of hoops and probably get a huge hit to my financial situation, possibly even pay legal fees, all while they sit on their moneybags and do nothing. They also chose to do it at the worst possible time of the year, when everybody burns their cash to buy trinkets for each other, so I’m not even sure how I’ll get the money.
TL;DR: Don’t ever trust a bank.
Yeah, dealing with creditors really sucks, they’re far more interested in making money than helping people. That’s why I’ll always encourage people to look at options like charities and government programs before resorting to any kind of debt. Some debt is good (i.e. you get more value than you pay in interest), but any debt is bad if you can’t pay.
If you want advice, you’ll need to post your financial details (income, expenses, opportunities for extra income and reducing expenses, etc).
If you just want to vent, I’ll be the first to agree that banks can really suck. If it makes you feel better, you can probably get that money “back” through some kind of promotion. I don’t know what options Brazil has, but in the US, there are tons of banks offering cash for opening accounts, so I abuse those to make myself feel like I’m sticking it to them. When you get into a more stable situation, that can feel like a small bit of vengeance.
No such thing here, AFAIK. You’d be lucky to get a plastic cup with the financial institution’s logo on it.
Dang. I’m sure you can be creative with petty ways to get back at them. :) Sometimes the small things feel the best.