General Training Writing Task 1 Sample 14 - Recently you received a letter from the bank

IELTS Letter Writing / GT Writing Task 1:

You should spend about 20 minutes on this task.

You have had a bank account for a few years. Recently you received a letter from the bank stating that your account is $240 overdrawn and that you will be charged $70 which will be taken directly from your account. You know that this information is incorrect.

Write a letter to the bank. Explain what has happened and say what you would like them to do about it.

You should write at least 150 words.

You do NOT need to write your own address.


 

Model Answer 1:  

Dear Sir/Madam,

I am writing this letter in reply to a letter that I received from your bank a few days ago. In your letter, you indicated that $240 was overdrawn from my account and that is why I will be charged $70. However, I think this mistake is done by your employee or computing system.

As you know, I was staying in a rented house, and my freight goes directly to the house owner account from my account. Last month, I had changed my house; moreover, I wrote a letter to you for requesting not to vest the money anymore to the owner. I have got the acknowledgement from you of my application; but, nothing is done about this matter. Perhaps, this money is overdrawn from my account because one of your employees wrongly sends the money to my former owner.

However, I will request my earlier house owner so that he returns the money. I expect you will give immediate attention to this matter. I look forward to receiving your response.

Yours faithfully,
John

 

Model Answer 2:  

Dear Sir/Madam,

I am writing in reply to a letter I received from you a few days ago. In your letter, you state that I am $240 overdrawn and that you will be charging me $70.

I would like to point out that the reason I am overdrawn is that of a mistake made by your bank. If you look through your records you will see that I wrote several weeks ago explaining the situation. For the last twelve months, I have been paying $300 a month for a car I bought last summer. The monthly payments were taken directly from my bank account. However, two months ago I sold the car and I wrote to you instructing you to stop paying the monthly instalments. I received a letter from you acknowledging my request, but, for some reason, nothing was done about it. Another $300 instalment has been paid this month and this is the reason why I am overdrawn.

I would like you to contact the garage where I bought the car explaining your error. I would also like you to ask them to return the money.

Yours faithfully,
Sandra Roll

 

Model Answer 3:  

Dear Sir,

I am writing in response to the letter (Ref: ABZ ) received from the Bank, dated 20th March 2015, on charging a penalty amount of $70 from my account, in lieu of an overdrawn sum of $240 made on 15th March 2015.Please note that the over-debit has been made unintentional, thus allow me to explain you the situation clearly.

On 15th March 2015, a purchase of $480 from the supermarket ABZ Limited was made by me. During the payment, the shopkeeper swiped the debit card twice accidentally and double amount got withdrawn from my account. The shopkeeper, on realising his mistake, has reversed the transaction and confirmed that the reversal would be done successfully in 10 days. However, according to the letter received from PYZ payment Limited company citing software up-gradation reason, the reversal will take another 10 days to process.  

Therefore, considering my circumstances, I would request you to not charge the penalty amount of $70 for the overdrawn total of $240.

Looking forward to hearing from you.

Yours faithfully,
Ria

[ Written by - Riya Nagpal ]

 

Model Answer 4:  

Dear Sir,

I am writing this letter in response to a letter that I received from your bank a few days ago. In your letter, you indicated that $240 is overdrawn from my account and that is why I will be charged $70. However, I think this mistake is done by your employee.

As you know, I was staying in a rented house, and my freight went directly to the house owner’s account from my bank account. Last month, I had changed my house; moreover, I wrote a letter to you requesting not to vest the money anymore to the owner’s account. I have got the acknowledgement from you of my application; but, nothing was done about this matter. Perhaps, this money is overdrawn from my account because one of your employees wrongly sent the money to my former owner.

However, I will request my earlier house owner so that he returns the money. I expect you will give immediate attention to this matter. I look forward to receiving your response.

Yours faithfully,
Lumen

[ Written by - Lumen Khan ]

 

Model Answer 5:  

Dear Sir,
To: Accounting Department

Dear Sir or Madam
I am writing this to notify you that I recently received a letter from your bank stating that my account is $240 overdrawn and that I will be charged $70 which will be taken directly from my account which I insist is not a correct information.

The last time I withdrew money from my account was three weeks ago and after that time I have visited the bank once to save some amount of money into the same account. Knowing that I have received an incorrect information, I request that you take an appropriate action so that the problem might be sorted out and corrected in due time. I hereby present a copy of my bank book and receipts for further information and proof.

Sincerely yours,
Geleta F. Aga
A/C No: 01324234234
002 Street, creative taxi zone

[ Written by - Geleta Jabeessa ]

 

 

Model Answer 6:  

Dear Sir,

I am writing this letter to notify you about the mistake that had recently been made in my account transactions. What you stated in your recent letter was wrong! Perhaps that had been done by one of your employees. Your letter stated that there is an overdrawn of $240 and that is why I will be charged the penalty of $70. I really am very worried about this because there is no way I have made any overdrawn from my bank account. A few days ago, I visited your bank to deposit $500. I withdrew $240 a week after my deposit. There is a possibility that my $500 deposit was not correctly entered in your accounting tally book.

So, I kindly request you to correct this error of penalty of $70 as well as correct my previous deposit amount. Such error in customer account would make customers unhappy because it will directly affect customer's financial position. Therefore I also suggest you make sure that such errors would be scrutinised before sending a letter to a customer. I am also attaching my deposit slip of $500 with this letter.

Thank you

With Regards
Sudip Pant

[ Written by - Sudip Pant ]

 

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0 # KB 2017-09-20 15:12
GT Writing Task 1:
You have had a bank account for a few years. Recently you received a letter from the bank stating that your account is $240 overdrawn and that you will be charged $70 which will be taken directly from your account. You know that this information is incorrect.

Write a letter to the bank. Explain what has happened and say what you would like them to do about it.

Dear Sir,

I am writing in the response to a letter that I received yesterday from your bank. It notified that an amount of $240 had been overdrawn from my account and your bank would charge $70 that will be debited directly from my account. Please allow me to elaborate the whole discussion.

I am John Doe, have a current account in your bank for the last five years. Additionally, I financed my car from your bank and that was an instalment plan of five years (copies of related documents are attached). Last year, I requested your bank for a payoff of the balanced amount. It was approved and I added another request to close my account for any further operations. I believe, your bank could not update my request in their system. Therefore, I would request you to rectify this information at your end to resolve this issue.

I look forward to hearing from you soon.

Thanks,
John Doe.
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+6 # Muhammad Ali 2016-03-11 13:14
Dear Sir/Madam

My name is Muhammad Ali and I have a savings bank account with you for the last four years. I am writing this letter with regards to the letter which I have received from the bank.

In that letter it was stated that my account was overdrawn by $240 and because of that I will be charged $70. I think this is a mistake made by one of your employees or by the computer system.

On 15th March I checked my bank statement which was provided from your branch and it shows that my account balance is $1000. On the very next day, I withdrew $240 from one of your branches. I still have the receipt of that withdrawal as well as the bank statement. After that, I did not do any transaction with your bank. How can my account be overdrawn then? Surely it is a mistake! Therefore, I want you to look into this matter urgently and take an immediate action on this. Moreover please do the reversal of the extra charges you put on me. I am attaching my latest bank statement and transaction receipt for your reference.

I look forward to hearing an immediate response from you.

Yours sincerely
Muhammad Ali.
A/C no.: SB-21574849896.
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0 # KB 2017-09-20 15:15
Hey! (Moreover please do the reversal of the extra charges you put on me.)
You misunderstood the charges. The bank is informing you to deduct those charges but these have not done yet.
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+3 # Muthu 2016-02-14 07:05
Dear Sir,
I am writing in response to the letter, which I received from your bank last Thursday.

I have been banking with your bank for the last fifteen years and I am one of your most important customers in Hayes Road Branch. I took multiple loans from your bank and always paid my dues in time. Nevertheless, I received the letter from your bank explaining the problem of overdrawn amount and a heavy fine is levied due to this. I went to the height of shock after seeing this because I did not withdraw any amount last month as I was out of the for the whole month. After the complete verification from my side, I came to know that this problem was caused due to a computer error from your side.

As a regular customer, I would request you to verify this issue and inform me at the earliest. Moreover, the imposed fine should be cancelled immediately and ensure that this kind of inconvenience does not happen in future. I look forward to hearing from you soon.

Yours faithfully,
Muthu.
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