Written by Eoinín McAlpine
Dear Emma Boardman, Head of Central Underwriting and bestower of munificence,
Thank you kindly for your recent letter. Although dated almost three weeks ago, its significantly profound contribution to the respective worlds of finance and linguistic interpretation had not diminished.
It was with great delight that I learnt that my “recent informal request for an overdraft” had been approved. And by great delight, I mean utter confusion and disbelief, considering the last communiqué I threw your way was what I considered to be a fairly formal request to have my account closed.
The subsequent paragraphs offered little to dull my sense of dissatisfaction. The convoluted explanation of what exactly constitutes an “informal request” according to HSBC was, at best, an excellent example of the type of half-arsed grammar and wasted words that organisations of your ilk are renowned for.
Most dictionaries define informal as, unsurprisingly, being without formality and ceremony, a bit casual. For example, say I wanted to make an
informal request for an overdraft with a bank. Personally, I think making informal requests to banks is a bit daft, considering their track record of requiring ridiculous levels of formality for even the most immaterial request, but I’ll persist with this in order to make a point.
So, an
informal request for an overdraft facility. One could saunter into their local branch, pay scant regard to any queue and sidle up to the teller, shoot the breeze about the weather or the local sporting team, and then just drop in casually at the end “Oh, yeah, can I have an overdraft?” before leaving without signing anything or providing any information to the teller other than one’s nickname. Pretty informal, I think you’ll agree.
Alas, this is not what happened between you and I. It was more like this:
ME: Hey, Emma, can you please shut that door? I don’t need it open ever again.
YOU: Hi Owen, we are pleased to announce that your informal request for an annual subscription to Marie Claire magazine has been approved!
ME: The door’s still open.
I must say that even whilst England lies in smouldering ruins from a crippling recession brought on by manifestly irresponsible lending practices, it is refreshing to come across a bank looking to forget that unfortunate chapter in financial history and get on with the job of handing out debt to those least able to service it, or in this case, people who didn’t ask for it in the first place.
Perhaps you could extend this glorious new policy of informality to other areas of your business. Review CCTV footage from branches, and issue a mortgage to any customer observed glancing at posters advertising your current variable interest rate. Or, alternatively, you could just close my account and never contact me ever again.
Yours informally,
Eoinín McAlpine