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Thursday, September 3, 2009

Closer to my debt free credit card goal

I wake up quite late again this morning. I just had the time to quickly call ACCES-D Desjardins in order to sell my Desjardins Fidelity True North Fund in other to pay off a 2 500$ credit card debt. I was almost crying when I explain to the representative what happen last year with this investment. Last year, I had called ACCES-D Desjardins to transfer the mutual fund into RRSP. But I was told that I needed to visit a Desjardins caisse in order to open an RRSP account and so on. I open an account at the Caisse populaire Desjardins du Mont-Royal in Montreal. Before opening the account, I explain that the only reason why I was opening the account was in order to get my Desjardins Fidelity True North Fund investment transfer into RRSP. No problem, I was told.

I open an account with the Caisse populaire Desjardins du Mont-Royal, we proceed. But at the end of the process, I was told that the transfer was not possible. Last year, I was able to transfer non-RRSP mutual funds into RRSP at CIBC and RBC, but not at Desjardins. I explain everything to the representative and I let him know how I was pissed off by Desjardins poor service. Than, believe it or not, the representative actually did what I wanted, no other words was needed. Fact it, I hope to one day close all of my banking account that I have with Desjardins and switch over CIBC.

I always got the best service in the world from CIBC, whenever I invest in RRSP and outside and all for other stuff too, like credit card. The latest representative I speak to at Desjardins was very good, but I went through the hell with Caisse populaire Desjardins du Mont-Royal and I hate Desjardins financial services from the bottom of my heart and I hope the following will discourage other to invest through Caisse populaire Desjardins du Mont-Royal. The best is always to invest in a broker account. This way, no one can stop you from doing whatever you want to do with your money. And this is what some poor Caisse populaire Desjardins du Mont-Royal staff never understood: it’s my money and I do whatever I want to do with it. But that seem to be complicate to understand for some of Caisse populaire Desjardins du Mont-Royal staff. Stupid, ignorant, those Quebeckers are dream killers. Bunch of little jerks.

I am closer to my goal now, which is to pay off my 2 500$ credit card debt by the end of October 2009. I might be able to get around 1 020$ from the selling of my investment with Desjardins Fidelity True North Fund. We are now down to 1 480$. I will be able to pay off 800$ next week. And let’s add to this the 300$ I have at ING Direct. We are now down to 380$. In October, I will probably be able to pay off the 380$ left. I just cannot wait for that to open.

My rent is increasing of 10$

Starting November 2009, my rent is being increase of 10$, which I find totally unfair. Only problem, moving will cost me some money and will take some of my poor energy I have left. I don’t feel like trying to find another place to live at that time, but I will probably move by next spring or so because I cannot take it anymore. Seem like these days, bad or so-so news had come one after the other and I am like wow, what’s going to happen next, can someone tell me? At first, it was very fun to live on Mont-Royal, but now, I got enough of it.

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