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  1. #1
    Moderator BurgerBoy's Avatar
    Join Date
    January 18th, 2005
    jacked by sylon
    Talking Letter To The Bank
    Dear Sir:

    I am writing to thank you for bouncing my check with which I endeavored to pay my plumber last month. By my calculations some three nanoseconds must have elapsed between his presenting the check and the arrival in my account of the funds needed to honor it. I refer, of course, to the automatic monthly deposit of my entire salary, an arrangement which, I admit, has only been in place for eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account by $50 by way of penalty, for the inconvenience I caused your bank.

    My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. You have set me on the path of fiscal righteousness. No more will our relationship be blighted by these unpleasant incidents, for I am restructuring my affairs, taking as my model the procedures, attitudes, and conduct of your very bank. I can think of no greater compliment and I know you will be excited to hear about it.

    To this end, please be advised of the following changes.

    I have noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you, I am confronted by the impersonal, ever-changing, prerecorded, 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 check, addressed personally and confidentially to an employee at your branch whom you must nominate. You will 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 other 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 or her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

    In due course I will issue your employee a PIN number which he or she must quote in dealing 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 to access my account balance on your bank phone service. As they say, imitation is the sincerest form of flattery.

    Let me level the playing field even further by introducing you to my new phone system, which you will notice, is very much like yours. My Authorized Contact at your bank, the only person with whom I will have any dealings, may call me at any time and will be answered by an automated voice service.

    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. The 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 7.
    9. To make a general compliant 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. This month I have chosen a refrain from (The Best of Woodie Guthrie): Oh, the banks are made of marble, with a guard at every door, and the vaults are filled with silver, that the miners sweated for.

    On a more serious note, we come to the matter of cost. As your bank has often pointed out, the ongoing drive for greater efficiency comes at a cost, which you have always been quick to pass on to me. Let me repay your kindness by passing some costs back.

    First, there is the matter of advertising material that you send me. This I will read for a fee of $20 per page. Inquires from the Authorized Contact will be billed at $5 per minute of my time spent in response.

    Any debits to my account, as, for example, in the matter of the penalty for the dishonored check, will be passed back to you. The new phone service runs at 75 cents a minute. You will be well advised to keep your inquires brief and to the point.

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

    Your Humble Client,


  2. #2
    Tax Paying Member
    Join Date
    November 14th, 2005
    Chapel Hill, NC

    I think that there is a rash of bank going around. Today, I had lunch with my accountant and he was the one telling me a story similar to yours that happened to him.

    My wife and I have decided to pay closer attention to our money and concentrate of paying off anything bank related. In the future bank services will be used at a bare minimum.
    You must climb this mountain. There is no elevator. ---- Don't stick your finger in the liquid nitrogen.
    Carolina China

  3. #3
    Analytics Dude Kevin's Avatar
    Join Date
    January 18th, 2005
    Rochester, NY
    I have filed this under: Must Use at Next Possible Opportunity.
    Kevin Webster
    twitter: levelanalytics

    Kayak Fishing
    Web Analytics and Affiliate Marketing

  4. #4
    What's the word? Rhia7's Avatar
    Join Date
    January 13th, 2006
    Great letter!
    ~Rhia7 -- Remember the 7
    Twitter me

  5. #5
    ABW Ambassador meadowmufn's Avatar
    Join Date
    January 17th, 2005
    I've gotten burned by the same situation... a nanosecond between having a check cashed and my auto-deposit of my paycheck posting to my account.
    -Don't criticize anyone til you've walked a mile in their shoes. Then when you do criticize them, you'll be a mile away and have their shoes.
    - Silence is golden. Duct Tape is silver.

  6. #6
    ABW Ambassador erninator's Avatar
    Join Date
    January 18th, 2005
    Of course the banks need to take advantage of every opportunity to suck some bucks from your account. The need to pay for all their junk mailings and postage. When I get their junk mail offers I use the postage-paid return envelope and stuff their ads into it and mail it back to them.

  7. #7
    Join Date
    June 17th, 2006
    lol... that was a good one. I will steal that erninator

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