HP x Frozen
Chapter 1: Rough Start Summer
Harry knew it was stupid to lose control like that. He figured he was probably on the run now. He hoped things could somehow get cleared up. It wasn't like he used his wand apart from when he called this strange bus, but surely that would be okay. It was completely by accident and no one saw him. He at least hoped no one did. That large dog he thought he saw didn't count... right?
He had a vague plan in his mind for what he thought was a worst-case scenario. He would go to Gringotts and get a lot of money first. Then he would rent a room in the Leaky Cauldron. After that, he would write Professor McGonagall and maybe Professor Dumbledore too. He would ask them for help. He was very sure they would know what to do. If that didn't work, he could write Elsa. She was Royalty after all, even if she was from a different country. If it turned out the Ministry was after him, he could hide out the rest of his days in Arendelle.
He was pretty sure he had a head start and the Ministry wouldn't be after him yet. Last summer when Dobby used magic in his house, they only sent an owl and that was it. Surely, they wouldn't be too eager to catch him for accidental magic. They would probably take care of Aunt Marge first, which gave him some time.
That was the only reason he hoped they would take care of her though. He wasn't about to feel sorry for her. Not after all she did to him over the years and again this summer. She could just stay inflated for all he cared.
Harry's mind wasn't content with just the Arendelle idea though. It kept thinking up other ideas on what to do with his life from now on. "Maybe I could still go to Hogwarts and work with Hagrid or something… That wouldn't be too bad," he thought to himself.
His mind gave him images of a life with Hagrid. He saw all of his friends and the other students playing Quidditch and learning magic without him. There was a Malfoy look alike who said, "Hey everyone, look! Hagrid's servant boy… What was his name again?"
A Pansy look alike giggled and said, "Not that it matters now, but it was Harry Potter."
The Malfoy look alike then scoffed and said, "Ha! Draco's always talking about how he called it when he said Potter wasn't anything special."
He was even given a brief but nasty image. In it, he saw an older Elsa and an older Draco together. The two were holding hands, and of all things… kissing each other!
This evil dream Draco turned to him and smirked, "I have to thank you again, Potter. If you hadn't gotten yourself kicked out, I might not have had a chance with the lovely Queen Elsa here. I was right in thinking being with her would elevate my family's status… and she's easy on the eyes too." The Elsa in this dream just silently smiled lovingly at Draco and kissed him again.
Harry broke from his musings and gulped when he heard Stan call, "Diagon Alley. Leaky Cauldron. That's you, Mr. Neville." Harry stood up and quickly grabbed his trunk before leaving the Knight Bus.
As he stepped outside, Harry hadn't expected to come face to face with the Minister of Magic flanked by two Aurors.
"Mr. Minister, Sir?!" Stan asked in shock as he quickly tried to bow politely.
"We'll take care of the boy from here," Fudge said in a neutral voice.
Harry gulped. He was pretty sure this wasn't a good sign.
"What do ya want with Neville here?" Stan couldn't help but stupidly ask.
"Neville? Seems there's been a mistake. This here is Harry Potter," Fudge corrected Stan, his voice still unchanged.
"Well I'll be..." Stan muttered loudly.
"What was that, Stan?!" Erin called from his seat. He wasn't able to see outside the door.
"Turns out Neville here is actually Harry Potter!" Stan said out loud.
"Well I'll be…" Erin muttered loudly in reply.
"Well then, see you later… Neville," Stan said with a smile and a wink before closing the door.
With another bang, the bus took off once more. Harry stood there in front of the Minister of Magic nervously. It seemed his plan wasn't even going to get a chance to start.
Cornelius Fudge nodded to one of the Aurors. "I'll take that," the man said in a gruff voice as he took Harry's trunk and tapped it with his wand. The trunk started to float just a little off the ground by the Auror's side. The Minister of Magic then motioned for them all to follow him into the tavern.
"Ummmm… Am I really in that much trouble, Sir? I didn't mean to do it. I'm not going to get expelled, am I?" Harry asked nervously.
Minister Fudge blinked at him in a second of confusion before his eyes widened in understanding. "Oh, that? Don't worry about that, Harry, my boy. Your Aunt's already been taken care of. We wouldn't expel you for some harmless accidental magic," Fudge said and gave a forced chuckle.
Harry was half tempted to tell the Minister about the letter he received last year that said very much the opposite, but he wisely kept quiet. Once they were in one of the rooms upstairs, Harry's trunk was set down on the floor and the Auror moving it went to report in while the other stayed in the room with them.
"Minister Fudge, what happens now? Is something going on?" Harry asked. He may not be as smart as Hermione or Elsa, but even he knew it wasn't normal for the Minister to take personal interest in some case of accidental underage magic.
"Nothing for you to worry about. We were just in a bit of a fuss looking for you after you suddenly vanished from your Aunt's and Uncle's. It is dangerous out there with what's been happening. They aren't happy with what happened, but they've agreed to take you back next summer. They only ask you stay at Hogwarts for the Winter and Easter holidays," Fudge said with a wain smile.
Harry gave a puzzled frown as he said, "I always stay there over the holidays…"
"Well then. It isn't anything to worry about," the Minister said with a less wain, more cheerful, smile now.
"I'd actually rather not return to the Dursleys ever again. Honestly…" Harry said with a sigh.
"Come now. I'm sure you'll think differently once you've rested. I imagine it's been an exciting night for you as well," the minister said. This time he gave a good-hearted chuckle, which wasn't forced.
Harry figured he wouldn't get anywhere on the subject now. "How's the hunt for Black going, Sir?" he asked as a way to change the subject.
Fudge gave a sigh as he said, "I guess I shouldn't be surprised you've heard…"
He then gave a fake confident smile as he said, "We'll catch him any day now. Don't you worry. The Azkaban guards are out in full force looking for him."
Truth be told, Harry was only able to pick up on the man's underlining worry because of studying Elsa carefully since first year. She was much better at this stuff than the Minister it seemed. Harry supposed he shouldn't be surprised by that. She did mention taking Queen Training for a few years.
Fudge gave a shudder as he added, "I've never seen them this angry before. They probably took his escape as a personal insult." He then stood up and was about to leave as he asked, "Do you need anything else, Harry?"
Harry thought for a moment and got an idea. Maybe not the best idea and it probably wouldn't work, but it was worth a shot. "Could you… Could you sign a permission form for me, Sir? Third years get to visit Hogsmeade on some weekends. It says I need to have a parent or guardian sign the form, but I figured you could instead."
The Minister of Magic seemed a little caught off guard by the request. He soon gave a frown as he said, "I'm afraid not, Harry. I'm not your parent or guardian. Rules are rules. We have to follow them."
Harry frowned to this. He wanted to point out they were already breaking the rules for him, but Harry knew how adults like Fudge would react to such statements. They would just get angry and say that was different or something similar. Instead, all Harry said was, "I understand, Sir."
Fudge seemed to relax at those words and adopted a rather friendly smile as he said, "Well then, if there isn't anything else… I'll be on my way. The room's yours until school starts. Unless you have somewhere else you could go."
Harry understood this somewhere else would have to be safe. He thought for a moment about what he could say here. "Actually, there is somewhere I could stay. It should be really safe as well, Sir."
The minister looked at him with a discerning eye.
"It's out of the country. A really close friend of mine lives there and I could stay with them," Harry said carefully.
"Really? Where and who is this friend of yours?" Fudge asked sounding unimpressed. It seemed like he was already going to say 'no', but decided to hear out 'The Boy Who Lived'.
Harry swallowed nervously before answering. "Her name's Elsa Evergreen. She's from Arendelle." The remaining Auror seemed to straighten up in surprise. Harry could have even sworn the man's eyes narrowed on him briefly as he gave a slight frown.
"Arendelle…" Fudge repeated to himself. His eyes filled with curiosity.
Harry nodded to him.
Fudge was surprised to hear this. Then again it wasn't too uncommon for witches or wizards from Arendelle to attend Hogwarts, even if it was a rarity. It was still something of note and that was before taking into account Harry Potter was friends with this Elsa girl.
Fudge thought over his options here. It could work in his favor to give The Boy Who Lived his wish here. Honestly, this might work out for the best regarding Black as well. If the boy left the country, the Ministry wouldn't have to worry about keeping track of Harry's movements along with searching for Black.
Even if Sirius Black heard Harry left for Arendelle, it could be a boon for them. Black would have to use muggle transportation or a broom to get to Arendelle. Both of which would leave a trail to follow. And if what he heard about Arendelle was true… it would be even better. He had to ask first to make sure, "Bellick?"
"Yes Minister, Sir?" the now named Auror asked.
"Your sister lives in Arendelle doesn't she?" Fudge asked as he looked to the man for an answer.
Harry's green eyes widened in surprise.
"Yes. She does. She's an English teacher. She loved the country and moved there a few years back," Bellick answered.
"You've visited her correct?" Fudge asked. The man nodded. "Is what they say about the land true?"
"Yes Minister, it is true. Magic is kind of muted there. Someone as powerful as Black in his prime wouldn't even be able to use his own wand properly there. The witches and wizards from there have to grow re-accustomed to it after they attend magic school, and even they may not be able to use their magic fully. That's part of the reason they usually stay here or move to other countries once they've graduated. Owls still work just fine there though," he answered.
"So... we'll have a way to stay in contact if need be," Fudge said mostly to himself. Bellick nodded to this anyways.
The Minister of Magic stroked his chin in thought. "Okay, Harry. That can work. You'll still be able to return to school on time, since your friend also attends Hogwarts. I do have one condition though," he started.
Harry held his breath and nodded to show he understood. He didn't want to test his Potter Luck here by saying something.
"Mr. Bellick will watch over you and stay next door until you can make arrangements with your friend. He will accompany you and let us know when you are safe and sound in Arendelle. Can you agree with this?" Minister Fudge asked.
Harry gulped, but nodded vigorously as he said, "I can do that, Minister, Sir." He would have to set something up later and hope it worked out for the best. Either way he would owe Elsa big time and do whatever he could to make it up to her.
Fudge nodded to Harry before turning to Mr. Bellick again and saying, "Feel free to visit your sister for a while after sending the all clear, Mr. Bellick." The Auror nodded and thanked the Minister. Harry instantly knew there was more to this than just letting an employee visit his family, but he remained still. Harry didn't trust himself to not make things worse at the moment.
"Well then…" Fudge said with a sigh of relief. "Now that we've taken care of everything. I'll be going." Cornelius then stretched out his hand to Harry. Harry shook it and smiled in thanks. "I'll be off then," he said in farewell as he left.
[-] [-] [-]
As soon as the Minister was gone, Harry hoped the Auror would leave as well. Mr. Bellick didn't though. Instead, he waved his wand on the door and the windows before turning to Harry with a grave expression. "You would do well not to advertise your friendship with Miss Elsa Evergreen so easily, Mr. Potter. Too many people could recognize the name, even with her alias."
"You know Princess Elsa?" Harry asked in shock. He didn't think the man would actually know her. He was plenty surprised the Auror knew of Arendelle.
Mr. Bellick nodded and gave a sigh and a smile. "My sister Penny teaches both Princesses in English. She got the position right after she moved there pretty much."
"Does that mean, Minister Fudge…" Harry started, but the man shook his head and cut the boy off.
"I've visited there a few times. Never met either of the Princesses before, but I love the country and respect the privacy they give their royal family. I also do as they do and don't betray the names of the Royal family's princesses to others," he answered.
"What about these others you mentioned?" Harry asked.
"They won't either," Bellick replied.
"Then what is the harm in using her alias freely?" Harry asked.
Mr. Bellick gave a frown as he said, "Others might not be able to hide their surprise at hearing The Boy Who Lived is friends with the Crown Princess and she is in fact a witch. The gift runs in the Royal family, but it is always a bit of a surprise when it awakens in someone young enough to attend Hogwarts."
Harry gave it a thought and he blinked in question as he unintentionally asked, "Then is it a really big deal Princess Anna will start attending Hogwarts this year?"
Mr. Bellick's eyes widened in surprise and he didn't bother to hide it this time. "So even Princess Anna will be attending Hogwarts," he said in a dream like voice.
He chuckled and added, "If the stories I've heard are true about the sisters. Then even the well-known Weasley twins could be in for a run for their money. Penny says Elsa is usually very calm and unlikely to do anything too bad, but if Anna asks her to do something then everyone better be ready and willing to laugh it off afterwards."
Harry remembered when he and Elsa visited the Weasleys last year. He remembered how Elsa played along well with the Twins' joking and even gave them a couple of ideas they usually over looked due to simplicity. He nodded and said, "I can see that. She does actually get along fairly well with Fred and George."
Mr. Bellick gave a smile as he looked over the room one last time to be sure everything was in order. He was about to leave when Harry spoke again. "So, I guess this means you really can enjoy visiting your sister on the Ministry's pay."
The Auror gave a chuckle as he eyed Harry and said, "Picked up on that, did you?"
Harry nodded, "I've learned to look at things more carefully and see what's really going on with people. Elsa's 'Queen mode' is too good to see past otherwise and she's not too keen on admitting when something is really bothering her at times."
"But it seems she's told you quite a bit," Mr. Bellick commented. It was obvious he wasn't too sure if that was a wholly good idea yet or not.
"True. But it wasn't something she shared easily. I'm the only one she's told about being a Princess. I didn't think it would hurt to use her alias like I did. That's the only reason I did so. Everyone at Hogwarts knows her as Elsa Evergreen anyways," Harry said.
Mr. Bellick gave a thoughtful hum. "Think I'm going to write a few careful letters to people who are in the know. Especially since both princesses are going to be at Hogwarts. Goodnight, Mr. Potter. I have a feeling you'll be able to write that letter to Elsa soon," he said from the door. He left as Harry gave his back a questioning look.
When the door closed, Harry heard a tapping on his widow. His green eyes brightened as he let Hedwig in. "Hedwig! You found me already?" he asked. The snowy owl gave a hoot as if questioning why he doubted she would.
"It's been a crazy night, girl." Harry said as the owl hooted in question. "Do you think you're up for a delivery?" he asked.
Hedwig hooted as if insulted he dared doubt her ability.
Harry gave a chuckle as he said, "Sorry, Hedwig. I just wanted to make sure you were willing is all."
Hedwig gave him a nod.
Harry looked in his trunk and found a couple of owl treats to give her while he wrote his letter.
Dear Elsa,
I hate to bother you, but well… it's been a crazy night and a lot has happened. I'd rather give you the details in person if possible, but the jest of it is I kind of accidentally inflated my Aunt Marge. She was talking bad about my parents and she has this dog that really hates me. She thinks it's funny to let him chase me and bite at me. I'll tell you more in person. Anyways… I'm finished with staying at the Dursleys for the summer. I'm currently staying at the Leaky Cauldron. Tom the barman knows which room.
I kind of ran into green bowler hat here surprisingly. He told me I could stay here for the rest of the summer or somewhere else. He didn't say it out loud, but I knew he meant somewhere safe. I already told you a little about that Black guy in an earlier letter this summer. For some reason, the Minister and many others think I'm a prime target. I remembered a lot of the things you told me at the end of last year. I sort of told him I would ask if I could stay with you for the rest of the summer. I'm sorry if that causes you any problems…
He wasn't convinced until I told him where you were from. I know it wasn't a good idea and I won't do so again easily, but I was really desperate at the moment. It turned out for the best this time at least. Penny's brother is an Auror and he was in the room and assured the Minister your country was a safe place for me. He didn't tell the minister who his sister tutored for, but Mr. Bellick knows who she teaches.
I'll tell you everything like I promised you I would after what we talked about at the end of school last year. I may not tell you all of it at once, but if I can stay with you for the rest of the summer, then we'll have plenty of time to get a good start.
Again, I'm sorry if I'm causing you any trouble. I just thought I would ask, because as much as I like the thought of staying in Diagon Alley for the rest of the summer. I'd rather spend it with you.
Sincerely,
Harry Potter
Harry sighed as he finished the letter. He meant what he said about telling Elsa everything. He hated talking about himself and all of that, but after learning Elsa's secrets he felt he owed her the same. He also felt like he could talk to her maybe. "I mean she told me how she almost killed her own sister, even if it was by accident," he thought to himself as he rolled up the letter. That was pretty good proof of how close they were as friends in his mind.
"Here, Hedwig. Take this to Elsa please. I'm not sure if she's in Arendelle right now or not. She might be doing some of her training with Vitus. Get it to her as soon as you can, please." Harry attached the letter to Hedwig's out stretched leg before opening the window for her to leave.
Hedwig gave him one last hoot before disappearing into the night. It was soon after she just arrived here, but Harry wasn't worried about over working Hedwig or anything. She had been cooped up for so long over the summer. She knew to take the time she needed and this was a perfect chance for her to be the amazing owl she was.
[-] [-] [-]
When Harry went to bed that night, the last thing he expected was to hear a knock on his room's door as he was about to have breakfast. He figured it was probably Mr. Bellick so he opened the door easily. However, Mr. Bellick didn't have platinum blonde hair. He also didn't hug tackle people, as far as Harry knew anyways.
"Good Morning, Harry!" Elsa said happily before letting him go and standing up.
Harry stayed still on the floor a moment to look at Elsa in surprise. It hadn't even been a full couple of months since he last saw a friendly face, but it felt so much longer. The fact it seemed Elsa grew some over that period of time made it feel even longer. It could be the changes weren't really that sudden. It could be they were just more noticeable, since she wasn't wearing the Hogwarts School robes.
Elsa gave him a smile as she offered a hand to help him up. Harry grabbed her hand and got up to his feet. He was a little surprised how close he was to her when he was standing. He also barely noticed a slight blush on her cheeks.
He blushed in return and took a step back as he said, "I really hadn't expected a reply to my letter so soon. I also didn't think I would see you in person again so soon either." He then recovered from his blush and gave her a smile as he said, "It's really good to see you again, Elsa."
She smiled brighter as she said, "It's great to see you too, Harry. We were actually in the area already." She then gave an enchanting giggle as she said, "Hedwig gave Vitus a bit of a surprise when she landed on our Hotel room balcony."
A strong and fit man standing in the doorway gave a huff as he muttered "Owls…" He then turned to Harry and said, "Hedwig's resting in our room back at the hotel."
The man looked to be in his late thirties to early forties with short dark brown hair and brown eyes. Harry saw he had a wand, but if it wasn't for that, he wouldn't have ever thought the man a wizard. Wizards weren't usually that strong looking, not even Crabbe and Goyle. Also, they usually really stood out in the clothes they wore. Vitus was dressed in a manner where he would easily pass in both worlds.
Harry nodded to the news and Vitus turned back around as if he was keeping watch and letting them have privacy. "So… What were you doing here?" Harry asked.
"I was taking awareness training in the area. Being aware of my surroundings without it being obvious or distracting. I did a little last summer, but Vitus said that wasn't enough. I also had some business to attend to in Diagon Alley. I asked what Anna also going to Hogwarts meant, if anything, and getting details among other things. I want to make her first trip to Gringotts as painless as possible." Elsa gave another giggle, "She doesn't handle staying still and calm as well as I do."
Harry wasn't surprised about that. Elsa was probably the most composed and usually clam person he knew. It was part of the reason she was known as the Ravenclaw Princess after all.
Elsa then gave Harry a serious look as she said, "I already asked if you can stay over for the rest of the summer. My parents agreed, but I will still have to take my classes as will Anna. You will mostly be confined to the Palace grounds, like Anna and I are as well."
She took in a breath and said, "We do visit outside the Palace every so often, but we are careful and try to blend in when we do. Especially because my family has a lot of business dealings with people from the magical world. I've already told you a little about the Malfoys for instance."
Harry nodded to that. "Yeah. I can see how it wouldn't be a good idea for Mr. Malfoy to see me hanging around Arendelle Palace."
Elsa nodded. "If you can agree to these conditions, you are more than welcome to stay with us until the school year starts." She gave him a friendly smile and waited for his answer.
"That's all?" Harry asked with a raised eyebrow.
Elsa nodded and said, "Well, we do have to get you some better fitting clothes as well."
Harry gave a chuckle. "That's not really something that would bother me. I'd love to actually have clothes that fit properly apart from the school uniform. Wait… I don't have to dress all fancy, do I?"
Elsa laughed and answered, "Only if you were going to something that required it. We like relaxing too you know, even if we are comfortable in dressy clothes."
"So, when are we going to take care of this stuff?" Harry asked.
"Today. If you're up to it. Tomorrow we can leave unless you want to wait a day or two longer," Elsa said.
"Sounds like it will be a busy day. Can we at least have breakfast first? Or can I at least? I haven't eaten yet," Harry said. He was half expecting his stomach to growl at that moment, which would have been embarrassing. Thankfully it didn't.
"I already ate, but I wouldn't mind keeping you company. If you wanted?" Elsa asked.
Harry nodded. He then gasped. "I kind of forgot to mention something in the letter."
"About Bellick coming with us to make sure you get there safe and sound?" Vitus asked from the doorway.
"I already explained the details, Harry," Bellick said standing next to Vitus. The man then gave a deep bow to Elsa and said, "It is an honor to meet you, Princess Elsa. My sister Penny has told me a great deal about you and Anna."
"So, you're her brother she talks about? She never really mentioned you were a wizard, but then again the whole magic secrecy thing might be the reason why she didn't," Elsa said as she gave him a nod so he would stand again.
{-} {-} {-}
Harry found himself trying to use his manners even better than usual during breakfast while Elsa sat with him. As he ate Harry asked, "What do I do about money for the clothes and such?"
"We have three options…" Elsa started. "The first being I take care of it all."
Harry griped to this.
Elsa actually giggled a little. "I figured you wouldn't like that one. The other two are you either convert some of your Galleons to Pounds, or see if you can use the Gringotts card."
Harry looked to her questioningly.
Elsa continued, "The card works the same way for muggle purchases. It isn't something they give out easily, but from what I've heard, the Potter family was pretty wealthy and it is now all yours. Of course, you can't access your full account until you turn 15 because of how it was setup. But still, the goblins might make an exception in your case."
"Do you really think so?" Harry asked.
"I'm not sure. Maybe if you ask them the right questions, that will work. Either way it's worth looking into if you ask me," Elsa said.
"Alright," Harry answered easily. He felt he was pretty much past his whole spending craze and would be responsible with such a thing. He now felt embarrassed he thought about buying a solid pure gold cauldron when Hagrid brought him to Diagon Alley before his first year. As he finished his breakfast, Harry and Elsa discussed a few other things he should look into as well at the bank. It was going to be a busy day.
{-} {-} {-}
They walked into the bank and Elsa talked to a goblin who bowed deeply to her. She gave Harry a wave as she and Vitus disappeared into the back. Harry felt a little nervous standing there with just Bellick for company. He didn't have anything against the guy, but the man was very professional and kept quiet. The dark haired boy felt relief when he heard the goblin call out, "Next."
He walked up and greeted the goblin. "Hello, sir. I'm Harry Potter." The goblin looked over him and gave a nod. Harry continued, "I have a couple of things I need help with. The first is I was wondering about the Gringotts Card."
The goblin looked to him curiously.
"I know it's not something you hand out easily, I was curious if I would be eligible for one. I only have access to my trust account for now, but I was wondering if there were possibly exceptions in my case, Sir," Harry said respectfully.
The goblin looked Harry over again before speaking. "You would have to talk to your family's accounts manager."
"I didn't know I had a family account manager. I haven't heard anything from them," Harry said more to himself.
"As well you shouldn't. The Potter Family account is for all intents and purposes frozen in maintenance. Think of it as a safety precaution so heirs without eligible adults watching over them don't go and accidentally bankrupt themselves," the goblin answered as casually as a goblin could.
"So that's what I would wait until I was 15 for?" Harry asked. The goblin blinked a couple of times and nodded. He was a little surprised the kid knew about this aspect of banking.
"If you want to ask about the Gringotts card, wait over there while I look up which manager you need to see," the goblin said as Harry bowed in thanks.
Fortunately, it only took a few minutes for a goblin to call Harry and motion for him to follow him. "I'm surprised to see you so soon, Mr. Potter. My name is Silverstone. I'm the Potter Account Manager. I heard you had some questions for me?" he asked as he led Harry into to his office.
"Yes, I'm not sure if it will work out or not, but a friend of mine mentioned there is a Gringotts card. She thought it might be a good idea to ask about it, even if I can't have one since I only currently have access to my trust account," Harry answered politely.
The goblin nodded as he said, "Let me check some things and I should be able to tell you. We don't hand it out to just anyone, especially if they only have access to just a trust vault. There are of course exceptions, as there are with most things."
It was silent in the office as Silverstone looked through various papers and scrolls. After what felt like an hour, he spoke, "It seems if that is what you wish there is an exception, but only because you are now 13."
"Really?" Harry asked.
"Yes. It seems your parents set up your trust vault to be constantly refilling once you hit 13. This means it continuously stays at a set amount. Before now, it would refill once a year right before school starts, if needed. With the card that will change, but so long as you don't spend over 10,000 galleons at once, you should be okay."
Harry sat there with his mouth agape. There was no way he would spend that much. "Also, this is allowed because your family's account is in good standing with plenty of money."
"It will work like the other Gringotts' card, right?" Harry asked for clarification. He wasn't sure if the goblin bank had different versions with different amounts or something.
"Of course, it works the same way," Silverstone answered matter-of-factly. "This means it doesn't actually have a spending limit, however if you spend more than 10,000 galleons at once your trust account will be frozen and marked as delinquent. It will remain so until you can pay us a minimum of 25 Galleons. Your card will also be confiscated and your family's account will no longer be in good standing, until at least 3 months after you have paid off all you owe the bank in person."
Harry gulped hearing this. It sounded like it would be really bad if he spent more than 10,000 galleons at once. Not that he planned to ever spend that much money so quickly before he graduated from Hogwarts.
The goblin gave him a discerning look and said, "Again, that is all at once or per transaction and your account is automatically refilling. In other words, if you spend 9,999 galleons and wait a few seconds and then spend 9,999 galleons again you will be good."
Harry let out a breath in relief hearing that. He wasn't ever planning to spend that much money, but it was good to know such details. He decided maybe he should take lessons on how to figure such things out on his own. He was lucky Silverstone seemed so forthcoming with information. "Thank you very much, sir," Harry said with a bow of his head.
"Now that we have cleared that up. Is there anything else you wanted to know, Mr. Potter?" Silverstone asked.
Harry held a thoughtful expression for a few seconds. "I know the account is in limbo, as the teller goblin explained to me, but can I have an account report or anything like that?"
"Yes, you can Mr. Potter. It would take time for us to fully evaluate everything in your family's vault given there is more than just galleons, knuts and sickles in it. However, I can give you a monetary report right now, if you want. I will give you a full asset and value report once it has been looked into. A full asset and value report will cost 100 galleons, but that can be deducted straight from the family vault even if it is in 'limbo'. Of course, if there are any items you wish to sell once you see the list, you may still do that through Gringotts at an additional fee of 12% of sell value for items in auction. If you wish to liquidate items instead, Gringotts will pay 95% of the assessed value. You do know what I mean by liquidate correct?" Silverstone asked.
Harry nodded to this.
Silverstone gave a nod. "Many young witches and wizards think we actually melt down the items, instead of buying them directly. I can give you an information packet that explains all services we offer for accounts such as yours, if you wish Mr. Potter."
"Can you give it to me with the Full Asset and Value Report? I would like for Gringotts to do that and I authorize the 100-galleon expense be deducted from the vault," Harry said. Silverstone gave a nod to this. He kind of liked how Harry was being rather business like and cooperative.
"Thank you very much, Mr. Potter. We will handle that and let you know. Send us an owl with an address to contact you, unless you already know it," Silverstone said.
"I will when I can. Thank you, Silverstone, sir," Harry replied.
Silverstone then snapped his fingers and a card appeared before Harry Potter. It was black with the Gringotts logo on the front in gold. A piece of parchment also appeared that listed the totals of money his family vault had. It was a lot more than he thought it would be. He was surprised, but in hindsight probably shouldn't have been. Especially after he learned a little more about his family's level of wealth and influence from Neville and Elsa last year.
"Is there any other business you wish to take care of Mr. Potter?" Silverstone asked.
Harry shifted a little uncomfortably as he asked, "Yes there is, sir. I'm not sure if you are the right one to ask of this, or if it falls under another department's jurisdiction. I was wanting a passport, quickly if possible. I will be visiting a friend of mine for the remainder of summer and she lives in a different country. We will be traveling by non-magical means."
"Usually you would have to go through a different office unless you want it expedited. I can take care of it here for an extra fee on top of the others. Do you wish to hear the totals?" Silverstone asked.
"Yes, I would," Harry answered.
"It is 20 galleons for the application fee. 10 galleons for the acceptance fee. There is an extra 15 galleon fee for expediting it. This is a total of 45 galleons for everything. This gets you a passport book which will work for all places magical and non-magical. Then there is a 5 galleon cost for the picture. It has to work for both magical and non-magical places. That is a grand total of 50 galleons for someone under the age of 17. You will have to renew it in two years and then again once you turn 17. Once you are of age, you will only have to renew it every 10 years," Silverstone said.
Harry agreed and signed a receipt for the services rendered. They needed more than just a verbal agreement for this. The goblin again snapped his fingers and a blank passport book along with a camera appeared. Harry's picture was taken and placed on the blank book. "Now, I need you to use this knife here to prick your finger and let two drops fall onto the book," Silverstone said.
Harry did as instructed and was amazed as he watched the information fill out in the Passport book. Silverstone used a seal on it and said a few words in his people's tongue as the Passport book glowed for a few seconds. "I used a goblin spell on it. The picture will appear as a still for muggles and will move as usual for witches and wizards to see."
The young boy couldn't help but smile at that. "That's kind of cool," he said earning a small goblin laugh from Silverstone. After their business was finished, Harry bowed again and thanked Silverstone once more for his time.
As Harry was leaving, he was stopped by Silverstone's question. "I have to ask, Mr. Potter. Will you be taking up your Lordship when you turn 15? That is the earliest you can take it up and the sooner the better in most cases. You will have to take it up at some time no matter what, since you are the last of your line. Starting sooner will get you prepared for your duties and station, allowing you to make a difference and better protect your interests."
"I'm still thinking about that," Harry answered casually. He knew a little about that stuff, but only second hand from Elsa and Neville.
Silverstone gave a thoughtful hum. "You don't have to decide right now. I was mostly putting the idea in your head. It would probably be a good idea to get some tutoring on how to fulfill the role and the etiquette required as soon as possible regardless."
"I'll think about it and inform Gringotts when I have made a decision. Does Gringotts need to know a certain period of time in advance?" Harry asked.
"At the bare minimum, three months. However, we will have to do a lot of work on our end and giving us such little notice can lead to strained relations between us. Six months prior to your official taking of the Lordship is recommended. However, the sooner you tell us the more we will be able to better assist you as a Lord. Heir Potter," Silverstone said.
"I'll think it over and let you know at a decent date prior," Harry answered as he walked out of the office. He realized it was a good idea to start looking into such things. He thought maybe he had until he was 17 at least. That felt so far off to him, but taking it up sooner might help him out in the future before he was 17. It was still an important decision not to be rushed and there was still much to do for today.
A/N: Yes yes. I know I made up a lot of stuff regarding banking that probably caused heads to explode. Oh well. It served its purpose.
Also... Book 3 chapters will probably come out at a slower pace than Books 1 and 2 did. I still don't know how I mostly averaged about a chapter a week there. I don't have as much of Book 3 already written though. I also had to do a bit of work to get even the first couple of chapters barely acceptable for posting. I really wanted to get the ball rolling on Book 3 for a while now though. There will be some big changes in this book from canon. I like them and hopefully you will all enjoy them as well.