I’m alone in the apartment and receive a call from an unknown number on my mobile. I don’t answer it because my son has only slept 30 minutes all morning, he’s just woken up, and I’m desperate to get him back to sleep again so I can do something productive in the little time this will afford me. To this end, I’m walking circles around our lounge with him in a sling on my back, which is the only way of getting him to sleep, at all, ever.

The same number phones again exactly one minute later. This time I answer it, because it's entirely possible that it might be important.

Allegedly it’s Kookmin Bank - KB - and I say allegedly because of the number of phishing frauds which are perpetrated on Koreans from both within Korean and beyond, by which I mean China. The woman launches into a long sentence about something or other but it doesn’t sound like a sales call because it doesn’t sound like she’s just ingested helium, and she doesn’t make the well-practised corporate giggle like the kind of 18 year-old girl normally given that kind of job. I know what you’re thinking - is there such a thing as a corporate giggle in Korea? Yes, there is.

She tells me my name - badly - but it’s vaguely recognisable as my name, and I say yes, hoping she might switch from the Korean she’s been using so far, to English. But she launches off into a long Korean sentence so I stop her. “Jam shi man yo”... please wait a moment. And I tell her, “I’m a foreigner, I don’t speak Korean, so I don’t understand what you are saying.” So she starts again, probably from the beginning, in Korean. I try again, in Korean, slowly “I. Don’t. Speak. Korean. Therefore. I. Don’t. Understand. What. You. Are. Saying.” This at least solicits some kind of “Oh, you don’t understand?” “No”. So she explains again. In Korean. Over my “I don’t understands”.

But then she changes strategy. She tells me the branch of KB she’s from, and it is a branch I’ve dealt with, which makes it feel like it’s not a phishing call, although nothing short of being in the bank talking to them is likely to convince me because I’m naturally suspicious. If I don’t trust myself why should I trust anyone else? Then she says “ID cardeu, passport”, but while she might be requesting details I’m never going to give her, there’s no context, so I simply tell her I don’t understand again, but she says “ID cardeu, passport” a couple more times with increasing urgency and frustration.

I am also long beyond frustration, and I change strategy. In Korean I tell her, “I don’t understand. Therefore my wife will phone your branch later.” I thought this would provide her with the resolution she so badly needed, but it didn’t. Off she launches again into another round of indecipherable Korean. So I tell her again “I don’t understand. Therefore my wife will phone your branch later.” This is exasperating.

Then the surprise. In evidently frustrated English and a rather aggressive tone universally recognised the world over as listen-you-stupid-foreigner, she suddenly says “Come on! Come on!” My mouth and fingers know me well enough not to wait for orders in such circumstances. It took my finger about a tenth of a second to hit the “End Call” button at and I simultaneously heard my mouth say “Frak you” or words to that effect. I support their actions.

Later it transpired that I had a million won in a savings account that had matured. In case that sounds impressive let me put it into context – at the rate the power in our apartment mysteriously bleeds away into the surrounding atmosphere it will soon be about the cost of one month’s electricity bill. The money was put into the savings account to act as a guarantee for my credit card with the bank (making actually not a credit card with the tiny limit I’m given) because I’m a foreign criminal who otherwise might run away with their precious frakking card and go crazy with it in China with a couple of $3 hookers or something. And that is the reason by the way (not the hookers – the fact that KB don’t really trust foreigners with their credit cards).

So the million had matured from the ultra-low interest guarantee account which had earned me as much as an entire hooker worth of interest in a year, and apparently the staff member who phoned me had noticed this - three months later - and decided that I very urgently and immediately needed to find a new home for it, and certainly after her phone call I had a pretty good idea where I wanted the bank to shove it.

When my wife came home I related the story and she immediately phoned the caller at the bank. At first she denied it, so my wife asked “Are you calling my husband a liar?”, after which she finally admitted it and apologised for losing her temper and the whole “Come on! Come on!” business. One small step for a foreigner, one giant leap for Korean banking - I still need to provide cash deposits to guarantee my credit card though.