Showing posts with label bank charges. Show all posts
Showing posts with label bank charges. Show all posts

Friday, 7 January 2011

Old Lady's Letter to Her Bank Manager......

Subject: Senior moment - A 98 year old woman in the UK wrote this to her bank.


The bank manager thought it amusing enough to have it published in the Times (Hope he didn't get a fee!)


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, but 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 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 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 Authorized Contact.)
8. To return to the main menu and to listen to options 1 through to 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

(Remember: This was written by a 98 year old woman; DOESN'T SHE MAKE YOU PROUD!)



I wonder if the bank manager paid the old girl anything for her efforts? No doubt he could afford too bearing in mind the obscene amount of bonuses these people get.

What are your comments?

Friday, 12 March 2010

Halifax Bank Robbers.Take from the poor to pay the rich !

(.Published Date: 27 February 2010)
"LLOYDS' 6,000-strong army of Halifax staff in Calderdale will all get bonuses worth hundreds of pounds – despite the bank running up a massive £6.3 billion loss.
An employee on £25,000 a year can expect up to £1,000, providing performance targets are met.

The bank is 41 per cent owned by the taxpayer after its takeover of HBOS.

Yet hours after announcing huge losses for the second year in a row, a spokesman revealed rank- and-file staff would be rewarded again this year".

Now,let me tell you a story................

A lady that I know was telling me about a situation that she has found herself in recently involving the Halifax Bank.
She receives about £150 per month in family allowance, and this is paid directly into her Halifax current account.She had a very modest £25 overdraft set up for those times when there is too much month left at the end of the money, and everything was going fine.
Imagine her surprise then when she received a letter from the Halifax bank advising her that because she had exceeded her £25 overdraft by £2.70 (yes, 2 pounds and seventy pence!), they were going to charge her....£5 per day until she took it down to within the pre-arranged figure of £25!. Even after she gets the figure down to £25 she is still going to be charged £1 per day until the overdraft is cleared completely.
Now I understand that the banks are a business, and I also understand that customers are made aware of possible charges, but £5 per day seems a little excessive for a £2.70 "oversight".
The bottom line of this story is that this lady is now facing a £55 bank charge in April....one third of her family allowance is going to be swallowed up by those lovely people at the Halifax.
What makes it more despicable is the fact that this is a company who have recently been bailed out of financial ruin by the humble taxpayers of the UK because THEY could not control their own finances and were responsible in part for the recent melt down of the finances of the country, and now it appears that they have found a very nice way of thanking those same tax payers by slamming them with excessively unfair charges. Also noteworthy is the fact that (by pure coincidence of course!) this is the same bank that is making a big noise about the fact that they will "reward" people who pay in £1000 per month by giving them...yes, you guessed it...£5!.

Surely this is indeed then what could be termed as a "Reverse Robin Hood" policy,taking from the poorer souls in our society and using these ill gotten gains to line the pockets of the better off,not to mention giving their staff generous bonuses!.

"Get a little extra help with the Halifax"...I somehow don't think so.

"If money is the root of all evil,then surely the banks must be the metaphorical "tree" that they are attached too......and they probably have a "branch" near you!"

If you have been affected by the issues raised in this post, please join the Facebook group and tell us your story.Follow this link to join:


An article about this story:

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