Letter to the Bank Complaining about a Quarterly Payment of Insurance IELTS General Writing Task 1 is a formal letter writing topic, in which, the candidates have to write a formal letter to the bank manager about some issues related to finance payment. Candidates are required to write a formal letter in this IELTS section on the mentioned topic; Letter to the Bank Complaining about a Quarterly Payment of Insurance IELTS General Writing Task 1. This IELTS General Writing Task 1 topic comprises three sample responses containing an introduction, a body, and a conclusion in three paragraphs.

For IELTS General Writing Task 1, letters can be written in formal, informal, or semi-formal styles. IELTS writing score is marked based on band scores. The band scores range from 0 to 9. A time span of 20 minutes has been allotted for the individual candidates for this section. Students can consider their preparation for the writings section from the IELTS Writing Practice Papers to undergo similar topics, like Letter to the Bank Complaining about a Quarterly Payment of Insurance IELTS General Writing Task 1, and enhance their writing skills effectively.

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Topic: You received a letter from your insurance company stating you had missed the quarterly payment of insurance premium. Though you have had sufficient amount of money in your bank account, yet this has happened. Escalate a complaint to your bank about this.

In your letter

-describe the purpose of writing the letter
-describe what happened
-say what you want the officer to do for you

Band 7 IELTS Letter

Respected Sir/Madam,

I am writing to raise your attention to a miscalculation made by your staff. Since January 2022, I have held a savings bank account number with your branch. My insurance company, Max Life, sent me a payment-due notification last week, indicating that I had failed to pay the $160 premium.

I was taken aback when the notification letter arrived. My savings account is tied to a $40,000 term deposit. This payment should have been processed correctly because I have an overdraft facility linked to my account. It appears that the line of credit did not trigger on time, resulting in the check being dishonored.

This carelessness has resulted in a $20 penalty as well as a blemish on my credit history. As a result, I demand that you write an apology letter admitting your mistake, and reverse the penalty costs. I also want to notify Max Life of the same in order to remove any notation associated with the credit history system. I am totally annoyed as well as worried by this incident.

I am hoping for a good response, but if not, I will raise this matter with the Banks Ombudsman Department. I will be highly obliged if you kindly take some measurable steps to resolve this matter.

Yours sincerely,
Indranil Ghosh

Band 6.5 IELTS Letter

Respected Sir/Madam,

I am writing to inform you of the dissatisfied services offered by your team. All India Insurance Company is where I get my insurance. It has been going on for the past five years. The payment is made from my savings account every year. The Bank of Baroda has my savings account number.

I would like to bring to your attention a circumstance that I encountered last week when the premium was due. I received a notice that said due-payment notification. My savings account had a sufficient level, but owing to the bank officer's error, it showed a lower value, and the payment was not made.

The corporation has assessed me a $16 penalty for payment dishonor. I would like the bank to waive the penalty and transfer my insurance premium payment as soon as feasible. Please ensure that this type of carelessness does not occur again, as I am an old customer of the bank. Also, I would like to continue a positive relationship with the bank.

I eagerly await your swift and favorable response. I am hoping for a positive response, but if not, I will file a complaint with the Banks Ombudsman Department. I would be grateful if you could take some concrete actions to remedy this issue.

Yours sincerely,
Siddhartha Shekhar Ghosh

Band 6 IELTS Letter

Respected Sir/Madam,

I want to draw your kind attention by informing you about facing irritated and annoying services as served by your team. I borrowed the loan for buying a desktop computer. I am getting insurance from the Aegon Life Insurance Company. I am getting finance for the past seven years. I am using my savings account in order to complete the payment for the loan every month. My savings account belongs to the Indian Overseas Bank.

I would like to draw your attention to an incident that occurred last week when the premium was due. I received a due-payment reminder notice. My savings account had a sufficient level, but owing to the bank officer's error, it showed a lower value, and the payment was not made.

For payment dereliction, the corporation has imposed a $25 penalty. I would appreciate it if the bank waived the penalty and transferred my insurance premium payment as quickly as possible. Please make certain that this type of irresponsibility does not occur again, as I am a long-term customer of the bank. In addition, I would like to maintain a positive connection with the bank.

I eagerly await your swift and favorable response. I am hoping for a favorable reaction, but if that doesn't happen, I will submit a complaint to the Banking Ombudsman Department. I would appreciate it if you could take some serious steps to address this issue.

Yours sincerely,
Subrata Banerjee

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