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    Letter to the Bank

    Shown below is an actual letter that was sent to a bank by a 96-year-old
    woman. The bank manager thought it amusing enough to have it published in
    the New York Times.

    Dear Sir:

    I am writing to thank you for bouncing my check with which I endeavoured
    to pay my plumber last month. By my calculations, three nanoseconds must
    have elapsed between his presenting the check and the arrival in my
    account of the funds needed to honour it. I refer, of course, to the
    automatic monthly deposit of my entire income, 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 repayments 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 offense under the Postal Act for any other person
    to
    open such an envelope. Please find attached an Application Contact Status,
    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 Notary Public, 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 modeled 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 the
    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 th e 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. Password will be communicated to you at a later date to the
    Authorized Contact.
    8. To return to the main menu and to listen to options 1 through 7.
    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

    (Remember: This was written by a 96-yea r-old woman. You go Girl!!!)
    Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.

    #2
    ROFL! That's awesome! I would have loved to see the look on that persons face when they read that. ROFL!
    Bankruptcy History:
    Chapter 7 filed - 10/12/2005 - Asset
    Discharged - 02/16/2006
    Case Closed - 11/08/2007

    A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

    All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

    Comment


      #3


      ABSOLUTELY LOVE THIS!!!!
      Minny

      "It's amazing the paths that our feet sometimes follow in life".

      My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

      Comment


        #4
        Wicked funny!!!
        Filed: 2/24/2006
        341 mtg: 4/4/2006:angel:
        Discharged: 9/25/08!!!!!:yahoo::yahoo::yahoo::yahoo::yahoo:

        Comment


          #5
          That is sooooo KEWL!!

          She sure put some thought into that one!!
          Filed Ch 7 - 09/06
          Discharged - 12/2006
          Officially Declared No Asset - 03/2007
          Closed - 04/2007

          I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

          Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

          Comment


            #6
            Can't beat it. I wish there were more people like that on this earth.

            Comment


              #7
              One thing is for SURE - she made her "point" to the Bank!!!
              Minny

              "It's amazing the paths that our feet sometimes follow in life".

              My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

              Comment


                #8
                Also good for cell phone voice mail

                ...it weeds out the people you don't want to talk to...i.e.

                "hello, you have reached 123-4567, if you are calling just to shoot the sh*t, press 1, if this is work related, press 2, if this is a bill collecter, press 3,...it certainly deterred anyone from calling. Oh, well, it's the end of the day and the best I could come up with after my boyfriend calling me at 4:55 and asking me what I'm doing...what do you think I'm doing at 4:55...cleaning my desk up, finding my coffee glass, picking my nose (not really but...), locking everything up, misplacing my files...it's that time of day...don't ask silly questions. ...lol
                Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
                Who it was we were below, where we've been and where we go

                Comment


                  #9
                  That is priceless!
                  *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

                  My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

                  Comment


                    #10
                    Fascinating - but not written by a 96-year-old woman....

                    I found it listed on the Urban Legends site, where this was said:
                    "The letter quoted above was one man's method of blowing off steam at having to deal with some of these exasperating aspects of modern banking. It was penned by Peter Wear, a columnist for the Courier Mail in Brisbane, Australia, for that publication's "Perspectives" column. The letter was not actually sent to a bank; it was a humor piece from start to finish, albeit one inspired by the author's having had one of his checks bounce. Though the item did appear in an actual newspaper, it was not, however, (as claimed in the Internet-circulated version's prologue) published in The New York Times. Mr. Wear's sardonic offering about the over-mechanized joys of banking as experienced by the consumer was written in January 1999. Since then, anonymous rewriters have been moved to alter his original to make it better fit with a primarily American audience. Compare his original to what now circulates, which is noticeably different in several aspects:
                    It employs British, rather than American, spellings.



                    It lacks the additional telephone menu options found in later versions.



                    It includes Woody Guthrie references cut from later versions."

                    Link:
                    Rumor: Disgruntled customer writes caustic letter to his bank over a bounced check.
                    Filed Chapter 7, 8/16/05, 341 10/12/05
                    Discharged 2/16/06, Case Closed 3/8/06
                    FICA Score (Equifax) as of 10/13/06 - 645
                    (It was 506 on 10/12/05)

                    Comment


                      #11
                      I really loved the part about the financial background check! ROFL!!!

                      Comment

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