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-   -   The Banks thread !!! Rant warning! (https://britishexpats.com/forum/maple-leaf-98/banks-thread-rant-warning-685885/)

airbornesapper Sep 18th 2010 2:13 am

Re: The Banks thread !!! Rant warning!
 

Originally Posted by jimmydean (Post 8857527)
Seeing as this is The Banks Thread I thought I'd share the below that somebody just sent me......:)

A SENIOR MOMENT - An elderly lady actually wrote this letter to her bank. The bank manager thought it amusing enough to have it published in The Times.


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 thirty 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, re-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 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 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 to you at a later date to the Authorised 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



Addendum from The Editor:



IMPORTANT to REMEMBER that this letter was written by a 98 year old woman.

Last time I saw that she was 80 something and it was the supposed to have been in the New York Times over $30 bucks.

Geez, she is now 98, has emigrated to the to the UK, got stuffed this time for 30 quid, and worse yet, the poor old gal still has a mortgage and the odd loan.

Life is just not fair ;)

Funny but Fictitious is my guess....

JGK Sep 18th 2010 2:41 am

Re: The Banks thread !!! Rant warning!
 
I had the same problem in 2001 when I moved over to Canada just after 9/11.

However, I got lucky. Initially my bank (Nat West) refused to provide a reference despite 18 years of custom without ever being overdrawn.

However, my efforts to get my mother included as a third party signatory on my UK account (for emergencies) resulted in 3 sets of lost paperwork, after which my bank got very apologetic. In one of the groveling apology calls from my Bank Manager he uttered the words "is there anything I can do for you?".

I went in like Flynn and two weeks later had a glowing reference from the bank which helped me get my first Canadian mortgage. :thumbup:

agr Sep 18th 2010 3:06 am

Re: The Banks thread !!! Rant warning!
 
Let's not be too hard on the banks for being reluctant to supply references. After all, they are the ones who really understand financial risk. Oh wait..

kazbob Sep 18th 2010 12:01 pm

Re: The Banks thread !!! Rant warning!
 

Originally Posted by Zoe Bell (Post 8856455)
Agree 100% with above post , we set up with RBC from UK then just needed to show COPR to activate

No problems, RBC have a non resident account manager to help you through that initial process

Ditto this, we had no probs at all.

Karen

BristolUK Sep 18th 2010 2:59 pm

Re: The Banks thread !!! Rant warning!
 

Originally Posted by airbornesapper (Post 8857738)
Last time I saw that she was 80 something and it was the supposed to have been in the New York Times over $30 bucks.

Funny but Fictitious is my guess....

Cease guessing. It's on snopes. :)

DaveLovesDee Sep 20th 2010 8:23 am

Re: The Banks thread !!! Rant warning!
 
I opened both TD Canada Trust chequing and savings accounts in 2007 with no problem. I didn't have a Canadian income or SIN, and showed my UK Passport and my CIC Visitor Permit extension.


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