Unidad 49 ya
hemos analizado las cartas de queja (letters of complaint) por
compras defectuosas o por servicios indebidamente cumplidos.
Con respecto a las cartas de queja, en la
correspondencia con bancos (banking correspondence) conviene
insistir que deben ser redactadas en tono
amigable. En el caso de un reclamo con implicaciones financieras, una
carta 'con autoridad' (authoritative
letter) es fundamental. Es
decir, una carta con presentación, gramática y ortografía impecables
además de firmeza
y claridad y en la expresión.
En esta unidad estudiaremos dos situaciones
Banking correspondence: Case # 1
Tu empleador te comunica que has sido
ascendida y que serás destinada a la casa matriz de la empresa en
Buenos Aires. Esta es la carta tipo que le escribes al gerente de tu
banco explicando tu situación y solicitando autorización para girar
en descubierto (overdraft) a fin de cubrir gastos iniciales
de arrendamiento de apartamento, mudanza, etc.
San Martin 1240
3540 Resistencia CHACO
March 12, 2008
Banco del Chaco
am writing to request authorisation for an overdraft
facility on my current account, presently held at your
have been assigned to a new position at the
head office of my company in Palermo, Buenos Aires, and
will take up my new duties at the beginning of next
month. Although this appointment will mean a substantial
increase in salary, it will also entail some extra
expense in the immediate future. I will, for example,
have to pay for the move to Buenos Aires and make a
deposit on the flat that I will be renting.
would therefore be very pleased if
you could arrange for an overdraft facility of 3,000
dollars, which I will require for a two-month period. As
you will see, this is the first time that I have made
such a request, and my account has always been in credit
Could you also let me know the
procedure for transferring my account to your Palermo
Thanking you in advance.
Banking correspondence: Case # 2
El mes pasado, al recibir tu extracto
bancario, observaste que una de tus dos cuentas estaba en
descubierto. Tu banco se disculpó por transferir erróneamente dinero
de una cuenta a otra y aseguró que no tendrías cargos por sobregiro
(overdraft charges). Sin embargo, acabas de recibir un nuevo
extracto en el cual aparece un cargo de 30 dólares.
Mr Paul Goldener
Mexican Savings Bank
Mexico D.F., 15450
Dear Mr. Goldener,
Following the recent telephone
conversation that I had with Ms Fernandez, I am
confirming in writing the complaint that I made to her
concerning the 30-dollar overdraft charge that your bank
has mistakenly debited from my account.
As you may remember, approximately
one month ago I arranged for the transfer of 500 dollars
from my savings account to my current account.
Unfortunately your bank gave exactly the opposite
instructions, transferring instead 500 dollars from my
current account to my savings account, with the result
that my current account became overdrawn. When I
realised that mistake had been made I contacted you
personally and you assured me that the situation would
be rectified immediately and that no overdraft charge
would be made.
On receiving my latest statement I
was therefore most surprised to see that my current
account had indeed been debited by 30 dollars for
overdraft charges. Although the transfer of the funds
has now been credited to the correct account, I see no
reason why I should pay a penalty as a result of a
mistake made by your bank, especially as I had your
personal guarantee that this would not be the case.
I have been a customer of your bank
for several years now and have had, to date, no reason
to complain about the quality of the services provided.
However, I feel that in the present circumstances this
situation should be clarified immediately and I expect a
full explanation of these mistakes. Failing this, I will
have no alternative but to consider transferring my
accounts to another bank.
A raíz de un reclamo presentado por la Sra.
Luciana Rossi, el gerente de su banco le solicita que presente una carta
detallando exactamente los movimientos que observa en su cuenta. Completa el
texto de la carta con las alternativas más adecuadas.
Medway Bank on 28th January 2007, with a cash
of £300. On
15th February I wrote a
and this appeared as a
on the bank
statement on 20th February.
February I took out £60 in
from a cashpoint
machine. On the following day the bank debited my account by
£33.50 for a
I had made using
monthly salary was paid directly into my account and
this appeared as a
on 26th February. There were no further
account and I finished the month with a
If you have
any further questions, please do not hesitate to contact me.