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View Full Version : If we could all write letters like this.


Gollanth
03-04-2007, 06:36 AM
While I have no idea as to the the authenticity of this letter, I thought it was amusing enough to post on here. According to the e-mail in which it was circulated, it was written by a 98-year-old woman and the Bank Manager thought it so amusing, he sent it to The Times for publication.

If the age of the author is to be believed, my only comment is "go Granny"!

Authentic or not, I intend to "lift" a few phrases from it the next time I have to write to some faceless corporation. :)

Enjoy.

____________________

Dear Sir,

I am writing to thank you for bouncing my cheque with which I endeavoured to pay my plumber last month. By my calculations, three 'nanoseconds' must have elapsed between his presenting the cheque and the arrival in my account of the funds needed to honour it. I refer, of course, to the automatic monthly deposit of my Pension, an arrangement which, I admit, has been in place for only eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account £30 by way of penalty for the inconvenience caused to your bank.

My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways.

I noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you, I am confronted by the impersonal, overcharging, pre-recorded, faceless entity which your bank has become.

From now on, I, like you, choose only to deal with a flesh-and-blood person. My mortgage and loan payments will therefore and hereafter no longer be automatic, but will arrive at your bank by cheque, addressed personally and confidentially to an employee at your bank whom you must nominate. Be aware that it is an offence under the Postal Act for any other person to open such an envelope.

Please therefore find attached an Application Contact Status Form which I require your chosen employee to complete. I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative.

Please note that all copies of his or her medical history must be countersigned by a Solicitor, and the mandatory details of his/ her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

In due course, I will issue your employee with a PIN number which he/she must quote in dealings with me. I regret that it cannot be shorter than 28 digits but, again, I have modelled it on the number of button presses required of me to access my account balance on your phone bank service. As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further. When you call me, press buttons as follows:
1-- To make an appointment to see me.
2-- To query a missing payment.
3-- To transfer the call to my living room in case I am there.
4-- To transfer the call to my bedroom in case I am sleeping.
5-- To transfer the call to my toilet in case I am attending to nature.
6-- To transfer the call to my mobile phone if I am not at home.
7-- To leave a message on my computer (a password to access my computer is required. A password will be communicated at a later date to the Authorized Contact.)
8-- To return to the main menu and to listen to options 1 through 8
9-- To make a general complaint or inquiry, the contact will then be put on hold, pending the attention of my automated answering service. While this may, on occasion, involve a lengthy wait, uplifting music will play for the duration of the call.

Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement.

May I wish you a happy, if ever so slightly less prosperous, New Year.

Your Humble Client

N4H
03-04-2007, 01:18 PM
Like you said "Go Granny".

I have a "the bank screwed me" story too.

I used to pay my internet provider from a separate chequing account. I kept exactly enough money to pay for the month in the account. Unknown to me however they had started that thing where they charge you a user fee for handling cheques. They'd charged me 15 cents for processing the last month's cheque. This meant I was now 15 cents short. My bank wouldn't cover the 15 cents. Both banks charged me a 25 dollar penalty for insufficient funds. So it wound up costing me 50 bucks.

I wish I had been as smart as Granny back then. I would have done something similar.

Gollanth
03-04-2007, 01:24 PM
I reckon we ALL have a story like that, N4H. I'd prefer to keep my money under the mattress, but it is just a little safer in the Bank, so I guess they're a kinda necessary evil. Scumbags.

prydain
03-04-2007, 06:36 PM
"Cheques"?

N4H
03-04-2007, 07:26 PM
Absolutely - Cheques (http://www.google.ca/search?hl=en&client=firefox-a&rls=org.mozilla:en-US:official&hs=Ff1&defl=en&q=define:cheque&sa=X&oi=glossary_definition&ct=title)
It's not the rest of the world's problem if the Americans started spelling the word incorrectly. :madtongue lol

Black Eye Guy
03-04-2007, 07:38 PM
You guys spell it Checks? That so odd (to me)

The Bank Hates me, It look me like 6 weeks to open a bank account, it should have taken 2! Loads of little problems like They needed a Bill for me to open the account - I don't pay bills! After not hearing from them for 3 weeks I wen't back down and they had forgotten to send it off! When I did get the account I needed the details before waiting for my card (For work) they sent me out the details - But with only half the account number (The most important part!)

Also liek 2 weeks ago I applied for a credit card - Haven't herd from them since!

That letter is hilarious!

prydain
03-04-2007, 08:19 PM
YOU guys spell it "cheques". That's just wrong. It looks like French to me, I want to pronounce it "che-quay" or something.

And when I opened a bank account it took thirty minutes. lol

Miffed67
03-04-2007, 09:02 PM
Good lord, why does it take so long to open a bank account, BEG? :jawdrop:

I don't have a "screwed by the bank" story. Kinda feel left out! I do have lots of, "screwed by [insert co. of choice here]" stories, tho. If I wrote a letter to each of them, I'd be doing nothing but that for the rest of my life, probably!

N4H
03-05-2007, 11:00 AM
A little postscript to my story about being charged an insane penalty for being overdrawn by 15 cents (which I maintain was their fault in the first place). Apparently it happens in Britain too, and they're fighting back.

RIP-OFF charges imposed by grasping banks for going overdrawn or bouncing a cheque are to be outlawed in an uplifting new ruling.

The News of the World can reveal the Office of Fair Trading will declare the punitive fees fleeced from unfortunate customers are "unlawful" and "excessive".

And greedy banks will be told to REFUND what they have overcharged in the past six years—which could add up to an astonishing £10BILLION.

They will be ordered not to make a profit from people's misery and slash the current penalty fee of up to £38 to as little as £5—or what it costs them to deal with the problem.

Thousands of disgruntled customers are already demanding refunds after a student won £5,000 in a ground-breaking court settlement against Abbey, who charged him two £32 fees for going overdrawn by just 5p — the equivalent of being charged interest at a rate of 64,000 PER CENT.


http://www.newsoftheworld.co.uk/banks.shtml

Gollanth
03-05-2007, 12:04 PM
Yeah, this has been in the news for a coupla weeks here. It's coming back to bite the customers in the arse though, as many who are being told they can have money refunded are also being told that their custom is no longer welcome. They've now got to change banks.

I'm fortunate in that I've paid very little in charges over the years - except for when my employer forgot to pay in our salaries for a week, but that's another story. I'd think twice about claiming if it meant I'd have to change banks, though. What a pain!

prydain
03-05-2007, 05:29 PM
I've accidentally overdrawn several times, most of the times it's by less than $1, but even one penny over means you have to pay a fee of $35. Ridiculous!

Black Eye Guy
03-05-2007, 06:03 PM
Na ha ha ha ha ha! My Credit Card arrived today, It's all cool and see through (It's a weird card - especially for student) and for some reason instead of the normal €600 limit, theres a €1000 limit!!!! The banks insane!

N4H
03-05-2007, 06:23 PM
And that's another thing banks do that pisses me off. They make it insanely easy to get credit cards, almost pushing them on you like crack dealers, without telling you the fine print details, like they'll sell your personal information, and if you're late on a payment your interest rates go up 25%.

Did you know at one time there was no such thing as user fees, now you practically need to pay a cover charge to get through the door.

They take your money, make money from that money, then charge you to get your money back.

Oh yeah, and how come you need an account to cash in coin rolls now. It's money. Isn't that supposed to be like an agreement they have with the government when they get licensed. They handle the change of money.

Black Eye Guy
03-05-2007, 06:52 PM
Gotta say it was insanely easy to get this, I just filled out a form (I could have done it online though!) I have only been with the Bank for 5 months and they gave me a Card with €1000 spending limit. Although It's apparently only this easy cuz it's a student card. they include all this stuff like No trasaction fees, 60 Days to pay the money back intrest free and if I got over the 60 days I'll only be charged intrest at 3% (my parents are charged at 18%).

I also bought my fist thing off ebay with it, 12 packets of Nerds :D

N4H
03-05-2007, 07:07 PM
Talk to me again in a couple of years. Tell me if you're still happy. I'm telling ya bud, it's like crack. They get you hooked, then you'll negotiate the real terms. You won't even see it coming.

Well, actually...you might, because you've just been warned.

prydain
03-05-2007, 07:20 PM
Credit cards are tools of SATAN! Muahhaha. But seriously, I will go as long as humanly possible without owning one. Maybe when I finish college I'll buy one for emergency use. I *am* paying off a car note now, but I don't consider it the same as a credit card. And it will raise my credit score as long as I don't miss any payments so I'll be able to buy cars and a house easier and the future.

And BEG why would you buy candy off of Ebay? lol

Black Eye Guy
03-05-2007, 07:46 PM
Yeah the same thing works with the credit Card, if you keep up with the payments it is very handy later when applying for loans and stuff. Plus I'm only going to be useing the thing for buying stuff online, so I don't have to keep relying on my parents when I wanna buy DVD's or Book a flight!

Nerds are impossible to find in Ireland, and a friend of mine loves them and it's their birthday on wednesday (And I wanted to try out the card without spending allot of money, lol)

prydain
03-05-2007, 07:53 PM
Yeah but a car payment and having a credit card are like two different things. With a credit card you're gonna be tempted to keep buying stuff even if you shouldn't, because you'll "pay it back later". I think it's smarter to just save up you're money and only buy what you have the money for...unless, of course, it's something huge like a house or car, and even then you should put a lot down if you can afford it.