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I sent this on to John not that he can qualify living in another
country, but it may give him some hope that what ever this study shows
will benefit him. He has had the dx longer than 5 years too, but
definitely is a Yop.

I read what happened to you today at the bank. Lucky I wasn't with you
or you wouldn't have stood in line that long, but you might have been
embarrassed  when I would insist on seeing the manager on your behalf.
At my credit union those who are disabled go to the head of the line and
no one makes any fuss. It is ridiculous to have given you the run around
that you described too. How could you have an account there and they
were able to send your checks through without a number, yet when you
needed to cash one it became important? I have noticed that even my CU
isnt adverse to depositing a check, but is very careful in having
picture ID to take money out. It is rare as I usually use the cash
machine and seldom go inside..

I told John some of what happened to you and the observations you made.
He does understand your complaint as he sent money to the US yesterday
to an account set up through National Bank of Omaha. He thought it was
where it would be after leaving a clearing company as part of an
international transfer policy. He had no confirmation that it had
arrived and he had been advised by the brokerage he planned to use to
invest in derivatives that it may be rejected by the bank. Needless to
say it was quite a lot of money as he intended to invest this week in
Msft contracts. He gave me all of the information he had to call them to
ask if they had received the transfer. He really trusts me Edith when
few would offer this kind of private financial information at all. I was
touched beyond words knowing this. Yes, I was a way to get the issue
settled if possible, and I said to him **you owe me *** LOL.. I called
the number that he had for the receiving company-- not the bank. It rang
busy. I told him this was very strange during working hours. They had no
website, but were listed among the other clearing companies. Next I
called the bank in Omaha not knowing which number fitted his questions
and settled on the general one. She tried to help, but he has no
American soc security number which they all use to access accounts (I
guess) This area of his account was left blank to be filled in by them
using some ?? numbers. The bank thought he was with ameritrade and gave
me the number to call. They didn't have his account number and suggested
that he wasn't a client of theirs. They too were quite nice and helpful,
but no none of the list things John had given me were of any help. Then
back to the bank! John gave me everything he had including the branch
bank in SA, the clerk's name her number, the time, etc etc lol.. Again a
new person at the bank and this time they told me what all the numbers
and letters etc he had given me meant as tracking number etc. By this
time I was beginning to understand why they had no access to find what
he needed. The money went through it as the transferring bank to the
clearing company who would hold it for the broker to be used at Johns
discretion. Again the clearing company with no email address, no phone,
or website listing. I said to him, you have the choices of either
calling your bank and making them send a trace to see where it was or
you can call Option Express, the broker, and ask them why you couldn't
contact the *holding* company? By then John was in a direct online chat
with Options Express asking them where the heck was his money? The
answer is to be patient; it will be Thursday or Friday before the
transfer is complete. It was a relief for him and gave him a few days to
look ahead and hope msft price didn't change too much. This has been a
long story, but points out how the banking industry can give you partial
information and yet still assume you know and that it is ok. The banks
in Oz (he feels) are not very customer oriented and seem to take their
time to do the business that we take for granted. The draft I made out
to *sally* went out to where ever the same day by 4 pm. They do not have
the hours available to customers that ours do :)He seems to have a lot
of criticism concerning the way his country operates and isnt afraid to
voice it which makes me laugh:)

You mentioned Rob is he your son? I should remember why this name seems
familiar, but I don't. No matter who he is, the fact that you are being
treated royally is exactly what you deserve. I think you above all
others I know should have this as a given. Btw I wrote Bunny the other
night after thinking how I would answer her last note to me. She said
she had sent you a copy of the same email in which she tells us not to
panic. I wont do that again (well not until the next time ) :) I do
wonder what will happen to her especially as she said she hadn't *
notified* Sharon yet. I thought that a strange way to put this if she
expected her daughter to help. After what she wrote before Thanksgiving,
I don't feel her daughter is someone who will welcome her with open
arms. This leaves only the son who has put his credit reputation and
money on the line. You know what I do, I am sure, so it isnt any news. I
couldn't turn my back on her especially now. I want to thank you for the
wise advice you gave me in her case. Even if Juanita and my reservations
are true, it doesn't change the fact that she will soon be adrift. And,
if what you say and I believe, her house (not her home )represents who
she is and how she feels, I know she will need all of the support that
we can give. With this I am going to shut my mouth and go to bed early
for a change. I will write more later my friend...

Love and many hugs from,

Audrey


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