HM here. Public servant and union member. And yes, I am aware of the typo in my blog name. http://www.harrangueman.blogspot.com/
I'm glad I didn't have a mouthful of water when I read that. It would have been all over the monitor.
I am an educated person. I have a reasonable grasp on things.I still can't see how the bank can decide I owe them more money than when I borrowed it. It's like a mafia loan with the 'you were late Jimmy, now you owe us more' (slap, slap).