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Last Updated: 20/07/2010 11:10:15
Rudd On The Road
By Steve Rudd
Part 23: A Cashflow Crisis

Twelve ATMs down, and not all that many to go. It was fair to say that I was in a quandary, with no cash to my name other than a few dollar notes I had left over from my recent trip to the US.

It wouldn't have been so bad if I'd had a clutch of British pounds, or a sizeable wad of notes in any currency for that matter; a staggering number of currency exchange offices line both sides of Khao San Road in Bangkok, and fast and efficient 'trade-offs' are commonplace. But I simply had nothing to give, and I was one step short of surrendering my dignity in order to earn myself a little money for food.
I considered swinging by a 'Western Union' office as a last resort. I dreaded the thought of having to beg loved ones back home to wire me money, but desperation can often force even the most self-sufficient people to compromise their values should all alternative avenues of opportunity seal themselves off with explicit indecency.
As I approached a 'Western Union' office at the end of Soi Rambuttri in the Banglamphu area of Bangkok, I was surprised to hear somebody vocalising the way I felt via the immortal lamentation: 'This is the worst day of my life!' Sympathising with her woe, I asked her what was wrong, presuming she was experiencing a similarly traumatising cashflow hiccup as myself.

She had three bankcards, and not one of them worked. In response, I confessed that I was pretty much stuffed, too. Every time I'd attempted to make a cash withdrawal from an ATM, the screen of each machine indifferently screamed in bold type, 'Your transaction has been cancelled.
Please consult your issuing bank.' I couldn't understand it. I knew for a fact that I had money in the account.
As a result, I became paranoid that somebody had somehow intercepted my bank account details and had withdrawn what remained of my savings without my knowing. All manner of disturbing scenarios began to crowd my mind, but at least I wasn't the only person facing such a depressing dilemma.

'Did you inform your bank back in the UK that you were going to be travelling abroad?' the girl asked.
'No. Why?' I responded in a beat.

Fortunately, I had taken enough ready cash with me to Mexico and the US to see me through such countries without me having to resort to using an ATM once in the Americas.
This was the first time I'd tried to use my bankcard abroad on this trip, and the girl suspected the reason that I was unable to use my card boiled down to a simple case of debit card security in the form of 'fraud avoidance.'
Having by now learnt that the girl's name as Abi and that she hailed from Truro, I begged her to elaborate.

'It's nothing to worry about. It's happened to me before. You just have to ring your bank and confirm that you are abroad and that it is really you who is attempting to withdraw money. Sure, you'll have to answer a barrage of security questions, but it shouldn't take too long, and once your identity has been confirmed, you should be able to gain access to your hard-earned cash immediately.'

While I rummaged in my satchel for my account details, Abi reeled from a second brainwave that might bail her out if she was really lucky.
A second later she returned to the 'Western Union' office with both her bankcard and passport clutched in her hand. Requesting a few thousand Thai baht with a smile, she couldn't believe her good fortune when the clerk behind the counter delved into his drawer of money and handed her a bundle of notes.

I was learning fast. Evidently so was she.

Copyright © Steve Rudd 2010
thisisUll.com Featured Writer Steve Rudd
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Places to Visit - Rudd On The Road Part 22: Trios Amigos! By Steve Rudd
OK. So what do you get if you cross a well-to-do Frenchman, a freethinking Englishman, and a mad-as-hell Spaniard? Adventure by default. I was in Sukhothai, Thailand, all psyched up to savour the unassailable beauty of one of the most dazzling jewels in the country's crown. Long before Ayuttaya and Bangkok succeeded the city as Thailand's capital, Sukhothai flourished as the naval of the nation. Read more...

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