I'm out in the garden cleaning the bird feeders.... the phone rings..... not unusual you might think, but I NEVER use the land line.... and it's ringing......
I jump down out of the tree where I hang my bird feeders (honestly you'd fall for anything.... of course I took the bird feeders down BEFORE cleaning them).... and go inside and answer the phone, fully expecting... "Congratulations, you've won"....click!
"Hello" I inquire, sounding remarkably like a person who has never seen a phone before and wonders why this white bone that hangs on cave wall should suddenly make loud noise......
A REAL PERSON on the other end of the phone.... the novelty throws me slightly.....
"Could I speak to Mr. Weaver" she asks, and switching immediately to business mode "Speaking!" comes my standard reply.....
"Hello Mr. Weaver, I'm just calling from your bank" - She does go on to verify that it is indeed my bank and I'm happy to spend a couple of minutes talking to her.... fully aware, even before she, that this is a fruitless conversation for both of us.
"i wonder whether I could book an appointment for you to come in and for us to review your bank accounts so we can make sure you have the best deal?" she offers optimistically..... "I see you have a current account, a mortgage, and savings accounts with us....".
I interrupt her mid flow and state, quite clearly "No, that's ok thanks, I'm not interested." Which to me would signal the end of the conversation, but I'm not "target driven" like this poor lady and I certainly don't have anything to sell......
She goes on to ask me a few questions about my mortgage like "Are you on a fixed term variable rate tracking deal?".... it might as well be in Chinese... for one, she's looking at my details on a computer screen so she knows EXACTLY what I have...... for another..... I don't have a clue what kind of mortgage they handed to me on a plate back when I had money and before the banks had none.
"I don't know" I claim.
"Well we could sort this out for you and get you on a better rate of interest" she begins......
"I don't have a job" I cheerily chime in....
She continues.......
"Look!" I start to become agitated, I don't suffer fools gladly. "Look.... how can you offer me a new mortgage when I don't have a job?" I ask of her.
"We can't" she concedes, starting to realise she is not making a sale. "How about your household insurance? We guarantee to beat any quote you might have for that," She is clutching at straws now, and the birds in my garden will not feed themselves.
"I tell you what" I counter-offer "How about when my household insurance is due for renewal, I'll let you know".... which I thought was a fair "out" for her, she could hang up without totally losing face at this point and make a note on my file that I'd let them know.... a dont-call-us if you like.....
"Well it does make sense to sort these things out BEFORE they are due" she begins and my left eye begins to twitch......
"That's ok.... thank you, I'm still not interested... thanks for the offer though" and I hang up the phone.
The punchline to this story.... and one which I would not dare to admit to my mortgage holder.... is that my house and contents are currently uninsured..... and if she could beat THAT quote, then I'd love to hear it!!






