15 August 2011

Letter written by 86 year old woman

86-year Old Lady's Letter to Bank

(The material for this post is not entirely mine, nor did I add bits and pieces to beef it up, but someone did so I’m giving that person the recognition. The photo wasn’t my idea but I changed it anyway, neither did I write the following paragraph which came with the letter. It was probably penned or typed by the unknown person who added the bits and pieces. That’s the trouble with copy and paste, by the time it’s circulated the web no-one knows who wrote what. However, I leave it in because it really does provide a good build-up.)


We have all experienced frustrations at the hands of banks but apart from a brief illustration in an Adrian Mole book I have never found anything that made me laugh quite so much concerning the nonsense we have in the banking world today. These banks have been greedy at our expense for so long they deserve a left hook from this wonderful lady.

Shown below, is an actual letter (plus a few additions from me) which was sent to a bank by an 86 year old woman. The bank manager thought it amusing enough to have it published in the New York Times. Wonder if he put his bonus on the line!

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 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 answer 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 check, 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 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, at MY convenience, 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. Password will be communicated to you at a later date to that Authorized Contact mentioned earlier.
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.

10. This is a second reminder to press* for English. 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.

Whilst writing, I wonder if you are the same bank manager wearing a glass eye whom my son mentioned recently when he visited your bank to apply for a loan. During his conversation with you he remembered well your refusal to grant the loan but in particular he remembers you asking him why he was looking into your glass eye as you conversed with him. His reply was he considered that to be the only eye you possessed showing any semblance of humanity!

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

Your Humble Client.


Remember: This was written by an 86 year old woman -'YA JUST GOTTA LOVE " US SENIORS" !!!!! )

And remember, you banks: Don't make old People mad. We don't like being old in the first place, so it doesn't take much to set us off.


  1. I wrote a letter to my dentist who had charged me for a missed appointment. I enclosed my bill for all the times I'd had to spend in the waiting room, because she was running late. I never heard back.

  2. My mom would just go in person and
    not bother with a letter. She is still feisty at 91.

    Oh, love the Adrian Mole reference..
    I still have the Adrian Mole Diaries
    given to me by a friend many years ago.

  3. I've seen this before and it still made me laugh. These are the sort of letters you wish you'd written aren't LOL

  4. I like that, John.

    Faye, your Mom sounds great.

    Pearl, how right you are.

  5. Good morning Valerie,
    Thank you for your visit to my blog
    Excellent share!
    It goes to show how complicated everything has become and how swallowed up we can all become.
    Thumbs up to this lady! I love the answering machine responses :)

  6. ugh...banks suck like this...i can so empathize with this person...they got to make money you they will want blood...if only we could charge them that would be nice...

  7. BRAVA and CHEERS to this 86 year old woman!!!!


    What a BRRRRRRRRRRRRRILIANT retort in her letter!

    And I loved this....

    "His reply was he considered that to be the only eye you possessed showing any semblance of humanity!"


    Wonderful post, Valerie!

    Have an awesome day!


  8. Barb, the banks are responsible for the economic state. I'd dearly love to get one over on them.

    Brian, I refuse to let them have even one spot of blood.

    Ron, I keep reading the letter to see which bits I like best. The one about the eye comes near the top of the list.

  9. I've seen this before, too. But I've got to give this woman credit for having the cajones to write the bank manager and saying what we all want to say at one time or another!


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