Some of you might be surprised to know that I'm a chicken shit. You might think I was brave to change my life at 50 and sell everything and move to a foreign country. But I think it's quite possible to be impetuous... and a chicken shit at the very same time.
The proof of my chickenoscity is in the post office. Or, la poste, as it's called in France.
When I first started traveling back and forth to Paris, I found out that you can't get anything - like a cell phone for instance - without having a bank account. But you can't get a bank account in France, no matter how much money you tell them you plan to deposit in said account, without a long-stay visa and your first-born child. At the time, there were Other People's Children that I would have been delighted to give to la poste, but I didn't have a long-stay visa yet. So I did what any tourist would do, I went to The Illegal Alien Bank: la poste. Yes, you can get a bank account at the post office here, even if you have no children. As a matter of fact, from the looks of the people standing in the ever-long lines at la poste, having many, many children seems to be the norm. But, no matter how many children you have, you can't get any checks, nor can you have automatic deposits or debits. You can get a debit card, but it can only be used at la poste ATMs. So, I still couldn't get a cell phone here, because all cell phone plans must be automatically debited from a local bank account.
I found that out after I opened the account (having stood in a line for three days with Other People's Children).
So, I did what any tourist would do, and went to Illegal Alien Land (Chateau Rouge), to a shop called Le Roi de Barbès (The King of Barbès - Barbès is the name of a nearby Metro stop) to fight my way through throngs of people to buy a pay-as-you-go cell phone for 25 Euros (+/- $35) and a SIM card for 20 Euros. I would actually advise anybody to do this who comes to Paris for more than a week and who wants to have a way to communicate inexpensively with the rest of their travel partners and the locals. You can buy recharge coupons at any tobacco shop. (Good luck figuring out what they're saying in French when you call the number to enter your recharge coupon, but that's another story.) There's actually a vending machine at one of the gates at Charles de Gaulle airport where you can buy one of these phones as you get off the plane, but going to Le Roi de Barbès is an adventure you could definitely write home about. But that is also another post entirely.
Meanwhile, after I was able to negotiate enough contracts to be able to support myself here and then get a long-stay visa, I now qualified for a grownup bank account. But I still had to take another grownup with me - who had an account at the same bank - to introduce me. Then, HSBC was just dee-lighted to serve me. It would be an entire post just to tell you how long it took to make even that happen. But, even though I am the queen of digression, I will try to control myself and post about that later... also too. (Just call me Sarah Palin. OK then, don't.)
I never used my la poste bank account. And there were a few thousand Euros in there that I wanted to take out, deposit in the HSBC account, and then close the la poste account, even though I had such great nostalgic affection for la poste. (Snark.) I tried to close the account a few months ago, but they yelled at me, so I went away.
And, I'm a chicken shit. So, I put it off. Until the last minute. Of course.
Meanwhile, I used my new HSBC account to get an iPhone. (Yay!) I bought my phone online from Orange, gave them my RIB (bank account numbers for auto-debit) and an electronic signature agreeing to death by hanging if I defaulted on my payments. (I think that's what it said, but I'm not sure. It was all in French.) They were so happy to have me as a new client, that they sent me reams of paperwork, all in different envelopes, every other day or so. I ignored them. After all, it's in French. And I'm afraid of the mail.
I used my iPhone for a month, and then it was unceremoniously cut off. Finit. Pas du service.
I panicked. I was sure that the auto debit must have failed at HSBC. But I didn't go online to my HSBC account to see if I had money in there or not. And I didn't go to HSBC to ask them. I didn't do anything. I just became paralyzed. Because, I'm a... chicken shit.
What am I afraid of? God knows. Banks, money, debt, debtor's prison, authority, breaking the rules, getting in trouble, policemen, soldiers, French bank employees, French postal employees, French waiters, French people in general, my poor French language skills, getting yelled at in French, my own shadow, and also too, yours. But not swine flu. Not scared of that.
But suddenly, I had to pay rent. I HAD to get that money out of la poste and then go to HSBC and deposit it to cover my rent, and my electricity bill and my iPhone bill.
All of this had me coughing, and then, um, barfing. Yes, I was so scared to go to the post office and then to HSBC that I vomited. I finally called my ex boyfriend. We all have our weaknesses. He has his and I have mine. But at least he knows about my fears and paralysis, and doesn't judge me (too) harshly. I'm not good at reaching out. I usually just hide in my apartment and hope that nobody decides to kill me that day. But at least I knew I could call him. He dropped everything he was doing, rode his bike to meet me and walked me to la poste, talking me down from the 6th floor ledge of my mind, to the safety and predictable shit-smeared reality of a Paris sidewalk. He had me laughing very soon. May the God-I-don't-believe-in bless him.
We entered la poste and got in line. My ex entertained me some more. I had stopped breathing at this point, but at least I wasn't vomiting. Finally, it was my turn at the counter. I handed the teller my latest account statement, and I told him I wanted to close the account and get all the money out. He understood me (amazing) and took my statement and went to the back wall to a huge bank of filing cabinets and dug through there for an hour. Then he returned with whatever he had been looking for. He got on the computer. He started clicking and typing away, then started talking to himself. My ex reminded me to breathe. Then the teller called another guy over to the computer.
Uh-oh. I glanced over my shoulder to see if the police were behind me. Not yet. Only a lot of illegal aliens. And their children.
Then the new guy, obviously a manager, started to speak to me. I had no idea what he was trying to say. He asked me if I spoke English, and then told me in English that I had already closed the account. It must have been done that time I went there and they yelled at me. Oh.
Then I started to worry that there's some rule in France that if you close your account and there's still money in it, that you're not allowed to get your money, that the police will be called, and that your money will be given to President Sarkozy, as a fee for having to put up with us Americans for so long. I started to cough.
He said, "You can't get your money."
I squeaked, "Quoi?"
He said, "Well, at least not all of it."
Then I started to worry that they would give me 42 cents and keep the rest for all the times Americans came to France and demanded weak coffee. I coughed. And gagged.
Through pursed lips I whispered, "And how much can I have today?"
He literally stood there, staring at the computer, stroking his beardless chin, deciding. Deciding. Deciding....
He wrote down the amount, which was almost all the money in the account, except for 6 Euros and 95 cents. He said, "You can get this much today, and then you can come back in two weeks and close the account and get the rest."
Mine was not to reason why; mine was but to nod and sigh.
He told the teller what to do. The teller typed and talked to himself for another hour. Then he gave me a piece of paper and told me to go to the locked door next to the window. We went. We stood there. Nothing happened. I looked around the door. There was a little button. I pressed it. No alarms went off. No police dogs began to snarl. I heard a click and opened the door. There was a bullet-proof window with bars and a teller behind who was counting out my thousands. She made me sign something. She handed me the money. We turned to leave. The door was closed. No button. We stared at the door, willing it to open. It did. She must have had the magic button.
After we reached the safety of the urine-soaked sidewalk outside la poste, I said to my ex, "I wonder what my interest rate is on this account?" He said, "Why?" I said, "Because it would be interesting to calculate how much interest 6.95 Euros will accrue 40 years from now, since I'm never coming back to close this freaking account."
The next day, having been fortified by my success at la poste, I went to HSBC alone, to deposit the money. I didn't vomit, but I was terrified. I saw forms on the counter and figured they must be the deposit forms. Except, I was totally confused because the place where I had to write the deposit amount had a thick line separating the Euros columns from the cents columns. But there were three slots in the cents column. With Eurocents, are there actually three integers after the decimal point? Is there a 1/2 cent? Did I need to deposit 1450.089? I was so confused. Finally, the impatient clerk asked me what the hell I was doing and I told her in my bad French that I didn't understand the 3rd integer slot. She looked at me like I was crazy. My stomach turned. Then the man who opened my account for me walked over, smiled, listened to me and her, and then said, "Oh, just put the amount anywhere. Ignore those slots. It doesn't matter."
In France, the land of rules, I continue to be surprised when the rules that they so fervently demand you follow, actually don't matter.
And the iPhone? It was shut off because I never opened my mail from Orange and filled out the triplicate contract form and mailed it back with a voided check and a copy of my RIB. Oh. So all that stuff I did online didn't matter either. Et voila! Perhaps, when Orange receives my contract, voided check and RIB next week, I'll have my iPhone back.
And my 6.95 Euros at la poste will surely generate 450 pieces of mail, very formally and politely threatening me with death, or at least a very long wait in line, until I come to close the account. I won't open those letters, either.