the worste is when a person who normally does an eft...tells you payment has been made so you assume its done...but find because they have taken away my immediate cheque clearance status that the money is not cleared...so i have to contact the bank and ask the manager to clear the cheque 3 days later...and if the end of the month falls on a wekend...funny things happen to your account...and it is a race to see what the bank computer clears first...i have had times when i go into a credit then right to my limit over the limit...RD items then sit with a big good balance in the money with the deposit...its a pain in the ass...at least now that my credit rating has falling through its own backside...i dont get charged R300 loyalty fee only a R155 RD...so it pays me not to have a good credit rating saves me money

as for a christmas break...i am busy preparing for shutdowns thru christmas into january.