还不完的欠款

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It all started with a trip to the pub. I had ￡9 in my bank account and withdrew[提款] ￡10 to buy drinks which left me ￡1 overdrawn[透支]. Because I hadn’t

arranged an overdraft[透支] with the bank, they charged me ￡28, but instead of sorting it out straight away,

I ignored it.

The bank sent me a letter saying that I was ￡29 overdrawn and I threw it away. I didn’t have the money to pay it back because I wasn’t working, and I didn’t have any savings. I just left it and thought I’d pay it off later, but every month the bank charged ￡28 and took me further into red.

Ignoring the Bank

Over the following two years, I was well-informed about my growing debt. The bank sent statements every month as well as letters asking to repay the money. I just used to hide them, because I thought if I didn’t see them it wouldn’t be true. I didn’t tell anyone about the debt I was in because I felt so guilty about not paying it back but it was always on my mind. People describe this feeling of having “a weight on your shoulders,” but for me it was getting heavier.

Looking back, I should’ve paid the debt off when it was small and manageable, but I left it for two years. Then something clicked[使恍然大悟]: I received a letter saying I was ￡580 overdrawn and I finally decided

to speak to someone at the bank. I had a job so was able to pay the money back. I ended up paying it all back in one go[一口气], which was a huge relief. I could stop worrying and carry on with my life without

thinking about how I was going to pay the bank back.

Claiming the Money Back

A couple of months after I’d cleared the debt, a friend said I should try to claim the money back from bank. I went to see a solicitor注 who deals with unfair bank charges and he took on my case. I was lucky enough to get all the money back very quickly, so spent it on a holiday with my friends.

I’ve learnt a big lesson from the whole experience and I won’t make the same mistake again. Since then, I’ve been more careful with my money and I’ll never go under[破产] ever again. If I do, I’ll make sure I pay it back straight away.

一切都源于一次酒吧之行。我的银行账户里有9英镑,我提取了10英镑买饮料,因此透支了1英镑。由于我没有向银行申请透支,银行向我收取28英镑的费用,但我并没有马上处理,而是把这件事无视掉了。

后来银行给我寄来一封信,说我透支了29英镑,我随手便把信扔掉了。我没有工作,也没有存款,所以没有钱还款。我只是放任不管,想着以后再还,但每个月银行都会收取28英镑,让我在赤字里越陷越深。

忽视银行的后果

在接下来的两年里,我一直很清楚那笔与日俱增的银行欠款。银行每个月都会寄来账单和信件,让我还清欠款。但我总是能躲则躲,因为我想,如果我没看见它们的话,这事就不是真的。我没有告诉任何人欠款的事,因为没有还款让我很有罪恶感,它总是在我心里挥之不去。人们把这种感觉描述为“心里压着一块石头”,但对我来说,这块石头是日益沉重了。

回首往事,我应该在债务尚轻、还能负担的时候就把它还清,但我整整两年放任不管。后来发生了一件让我警醒的事――我收到一封信,告知我已经透支580英镑,我终于决定去银行找人谈谈。我已经有一份工作,因此有能力偿还欠款。最后,我一次还清了所有欠款,如释重负。从此我就可以不再殚精竭虑,不需要再烦恼怎样还清银行的欠款,自由自在地生活了。

索回欠款

在还清欠款的几个月后,一位朋友说我应该试试向银行索回那笔钱。我便去找一位专门处理银行不当收费的事务律师,他受理了我的案子。我很幸运,很快就索回全部欠款,然后用这笔钱和朋友们一起去度假。

我从整个经历中得到了很大教训,再也不会重蹈覆辙了。从那时起,我对待钱财比以前小心多了,再也不会债台高筑。要是真的欠款,我会确保马上

还清的。

注:在英国,solicitor指事务律师,其工作包括提供法律咨询,处理物业买卖手续,或在下级法院承办和辩护等。1992年,新的法规规定事务律师也可以在上级法院出庭辩护,而在过去只有诉讼律师(barrister)才可以这么做。