Bank Of Montreal Sucks!!

So, I've had a Student Line of Credit (SLC) with the bank of Montreal for about 5 years now. This past January, for the third time, my account was frozen do to some oversight that could not have been avoided (says the Bank).

What happened is that one day I tried to get a cash advance for my weekly expences and got the message saying, Account out of funds (in Finnish, ofcourse). I spent the next couple of days calling my branch, the BofM Hotline (which is unaccessible outside Canada) and Mastercard. Both Bank of Montreal and Mastercard blamed the problem on each other.

The reason ending up being that I had not supplied a proof of resigstration document to Mastercard (i submitted one to BofM). Somehow, the message did not get to Mastercard that I was a registered full-time student. So what do they do? They pick some random date to freeze my account. I've signed contracts with these people and this mysterious, 'Make sure you tell us you've registered or else we will freeze your account on January 25' clause never came up anywhere...

I hate the way that these corporations think they have the right to screw with your lives. They literately cut off my life support! My Dad and I (he's the co-signer) ended up writing several emails to my branch demanding they fix the problem within 24 hours, which the did, but they still never admitted that it was their fault, system error, not human error. Well...kiss my ass. Humans push the buttons, humans make the errors.

Like I've said, it's the third time this has happened. The first time my account was accidently freezed was three years ago in the week when my student tuition was due. The second time I was doing recording with General Rudie and I was in charge of paying the sound engineer $500 for studio use. Three weeks later, he called me up and told me I had written him a bad cheque. If he hadn't called, I never would have known this account had stopped working.

The sooner I'm done paying off my loan, the happier I will be and I will never have any association with BofM again. Bet on it.