TO: John Curtis, Chairman, St George Bank, 19 April, 2008

Dear Mr Curtis

I wonder are you aware of the repeated frustrations that the bank imposes on its customers?

I am the holder of a St Geo Visa a/c no. 4564 5777 0382 ****. [Full number given in actual letter] I left it unused for some years after previous bad service but I have started using it again in recent months.

I recently received a notice that the card was about to expire and would be reissued. In response I rang your helpline and was lucky enough to get to speak to someone. I said that I felt it a bit boastful to have my full name and title on the card and asked for the username to appear simply as "J. Ray" on the new card. I was assured that this would be done.

You know what it coming next, don't you? There was no change to the card when I received it yesterday.

So I rang your helpline, again -- and again. Despite a lot of waiting I never got through. So I am writing to you. Are YOU happy with the way the bank treats its customers?

Sincerely,

Dr John Ray