My bank drives me bonkers because they take our loan payments out "monthly", which means we never know when or how much the payment is going to be as it is rarely on the same day each month and never coincides with our incoming pays. We transfer money manually to pay it because it isn't regular. Bank, of course, can't help with this.

I've just gone on a bender (must be the nesting instinct) sorting out our payments and which banks they go into and come out of. I really need to refinance the loan soon (which will double our payments), and when we refinance we are DEFINITELY getting a loan with regular fortnightly payments. More than enough coming in to cover everything but never on the right days.