With so many different passwords and pin numbers to remember
it is always a relief when the words ‘Code Bon’ appear on the payment machine
at the supermarket. The pleasure is
greatly reduced when it is followed by the words ‘Paiement Refusé’. This is quite a regular occurrence and I can
assure you it is not because the account is overdrawn. No, it is simply that, according to the lady
at the bank, I have spent enough money for the month. Seriously!
I have the money in the bank and yet somebody has decided that I can
only spend a certain amount each month!
And this is ‘normal practice’ in France.
To be fair, the bank did explain
that I could continue to use cheques and also to draw money out of Cash
machines but the debit card would remain ‘blocked’ until a certain period of
time had passed. Obviously I am not
going to starve but given that I don’t have a cheque book for that account, and
there is a daily limit on the amount you can draw at a cashpoint, this is a
problem.
To be fair, in normal daily life, having a monthly spending
limit isn’t a problem. But when is life
ever normal? The first time I came
across this problem was when I was furnishing our first apartment. My shopping spree ground to a
halt on day 2 because I had already reached my limit for the month –
‘frittering it away’ on beds, sofas, appliances etc! You can (and I did) telephone and ask for a
‘temporary increase’ on your limit but I find it very annoying to have to ask
somebody for permission to spend my own money – and also to have to explain
why.
Apart from the monthly spending limit, the bank has now come
up with a new way to attempt to govern my spending. My brother has bought a holiday home here in
the region and has asked me to oversee the renovations. As he doesn’t yet have a French bank account
he is transferring money into my account and I am buying materials and paying tradesmen
on his behalf. Simple? Apparently not. When the first transfer arrived the bank lady
actually rang me to complain that I hadn’t warned her that some money would be
arriving in the account. I did mention that, although I am not greatly
experienced in the world of banking I believed that it was perhaps normal
practice for banks to expect occasional deposits into accounts and accept them
without being surprised. I don’t think
she appreciated my sarcasm and we have a ‘rendez-vous’ next week....