I received a letter from the ANZ two weeks ago containing some information which was not correct. I replied to the author. It turns out that I have done the wrong thing. The ANZ does not want its customers responding to the people whose names appear on a business letter. “They’re the department heads, you cannot write to them” I was told by an ANZ staffer yesterday. “You have to call and wait in line like everyone else.” You gotta love the banks.