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20,001 posts - you are a champion! :D

I once walked out of a restuarant without paying by mistake. I went back two days later to apologise and settle the bill, and the manager was stunned that I had come back.

I've been in arrears with plenty of money in my accounts. Last loan with St George, no payments get taken for over a month, so I ring the bank to query it. No problem, they say, we'll set up the regular payment now, all sorted. No payment next month, now I'm getting hassled by their debt...

I used ANZ for some unsecured credit last year, and damn they were difficult to deal with. They lost my documents, never called me back, and didn't understand what a 'contractor' was, despite my explaining it to them and provided a year worth of payslips (which amounted to well over $200k)...