GT 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 any addresses.

Begin your letter as follows:

Dear Sir,


Model Answer 1:  

Dear Sir,

I am writing this letter in response to a letter that I received from your bank a few days ago. In the letter, it was indicated that $240 was overdrawn from my account and that is why I will be charged $70. However, I think this is a mistake from one of your employees or the computing system.

As you know, I am staying in a rented house, and my rent goes directly to the landlord's account from my account with your bank. Last month, I changed my house; moreover, I wrote a letter to you for requesting not to vest the money anymore to the previous owner's account. I have got the acknowledgement from you of my application. Perhaps, this money is overdrawn from my account because one of your employees incorrectly 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,

John Davis


Model Answer 2:  

Dear Sir,

I am writing this letter in connection with a letter that I received from your bank two days ago. In the letter, you stated that I am $240 overdrawn and due to this, I will be charged $70 which would be deducted from my savings account. I can assure you that I have not overdrawn any amount and it must be a mistake from the bank's end which you must scrutinise before imposing on me the overdrawn charge.

As you know, for the last eleven months, I have been paying $300 monthly instalment for a car loan that I took from your bank. The monthly instalments are taken directly from my savings account. However, last month I paid the outstanding amount of the loan and settled it with the bank. I even wrote to the bank instructing that I have fully paid my car loan. I received a letter from you acknowledging my request, but, for some reason, nothing was done about it. Another $300 instalment has been paid to the loan this month and this is the reason I am shown overdrawn in my statement. I am attaching the statement with this letter.

No doubt this is a mistake you should correct immediately. I would like you to reverse the transaction and stop the monthly instalment payment from my savings account as the loan amount has already been settled.

Thank you for giving the matter your attention and I hope to hear your reply soon.

Yours faithfully,

Sandra Roll


Model Answer 3:  

Dear Sir,

I am writing in response to a letter (Ref.: PB-25478 R/TA as of 9th September 2018) that I received from the Bank that stated that I would be charged $70 from my account, in lieu of an overdrawn amount of $240 made on 05th Agust 2018. Please note that I have not overdrawn from my saving account and thus should not be charged any fee.

On 05th August 2018, I made a purchase of $480 from the 7Eleven supermarket. During the checkout, the shopkeeper accidentally swiped the debit card twice but realising his mistake, has immediately reversed the transaction and confirmed that the reversal would be done successfully in 3 business days. I later received an SMS regarding the reversal on 9th August. However, according to the statement, I was charged the same amount twice on that day, which is a mistake.

Therefore, I would request you not to charge me $70 for the overdrawn that I did not do. It is indeed a mistake and your bank should have already rectified it.

Thank you for giving this your attention and I hope to hear from you soon.

Yours faithfully,

Riya Nagpal

[ Written by - Riya Nagpal ]


Model Answer 4:  

Dear Sir,

I am writing this letter in response to a letter that I received from the City Bank yesterday. The letter stated that $240 was overdrawn from my account and I will be charged $70 due to this. However, I think this mistake from the bank's end as I have not overdrawn any amount.

My monthly house rent till October was $400 and it went directly to the house owner’s account from my checking account. Last month I left the house and moved into my own apartment. Besides, I instructed the bank not to vest the money anymore to the owner’s account. According to my statement, last month's rent, which is equivalent to $400, was debited from my account. This should not have happened and I should not be responsible for the mistake.

I hope you would take steps to reverse the transaction and do not charge me any fee for a mistake made by one of your employees. However, I will request my previous landlord 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 Khan

[ Written by - Lumen Khan ]


Model Answer 5:  

Dear Sir,

I am writing in response to a letter that I received from your bank a few days ago. The letter stated that I am $240 overdrawn and that you will be charging me $70 due to this. I request you to verify the information before imposing the charge.

I would like to point out that the reason I am overdrawn is because of a mistake made by your bank. If you analyse the recond you will notice 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. The monthly payments were taken directly from my bank account. However, two months ago I sold the car and I wrote to you instructing 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 I am shown overdrawn in my statement.

I would like you to contact the garage from where I bought the car. Please, explain your error and ask them to return the money.

Yours faithfully,

Harold Acton




Model Answer 6:  

Dear Sir,

I am writing this letter to notify you of a mistake in my transaction record which was forwarded to me yesterday from the bank. Perhaps the mistake was made by one of your employees and I am hoping you would rectify it.

The letter that I received outlined that I overdrew $240 last month and that is why I will be charged $70 which would be deducted directly from my account. I really am very worried about this because I have not overdrawn any amount from my bank account during the last six months. I visited your bank on 25th March to deposit $500 and I withdrew $240 a week later. There is a possibility that my $500 deposit was not correctly entered in your accounting tally book. I am attaching my deposit slip of $500 with this letter.

I request you to correct this error and do not charge me any penalty. Such an error in a customer's account is not expected from a reputed bank like yours. Therefore, I also suggest you scrutinise the transaction history of a customer before sending him a letter.

Thank you for giving the matter your attention

Yours faithfully,

Sudip Pant

[ Written by - Sudip Pant ]


Model Answer 7: 

Dear Sir,

I am writing to notify you that I have recently received a letter from your bank which outlines that my account is $240 overdrawn and I will be charged $70, deductible from my account, which I insist is not a correct information.

I withdrew some money from my account (A/C No: 01324234234) three weeks ago and that was the last debit transaction that I made. Afterwards, I visited the bank once to deposit money into the same account. As I can see, the withdrawn amount of 540 dollars on 24th April is inaccurate and it shows that I withdrew the money using my debit card. I, however, do not use any debit card and always do my transactions using bank cheques.

Knowing that I have received an incorrect information, I request you to take appropriate actions so that the problem is sorted out and corrected in due time. I hereby present a copy of my bank book and receipts for further information and proof.

Yours faithfully,

Geleta Jabeessa

[ Written by - Geleta Jabeessa ]

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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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+1 # 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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