My bank are dicks.

I set up a standing order for my accommodation next year two weeks before the first payment (1st July), checked my bank balance this morning and all my money is STILL sat happily in my account...

So today I get to ring up my landlord and explain to him why he hasn't received any money from my for the first payment, and I get to walk a mile into town to shout out whichever clerk is unlucky enough to ask: "Next please".

Wankers.