Okay, personally I think my voice is more childish than female. With a little work it might sound normal, but training my voice is not a priority for me right now since I'm not full time right now. However, almost everyone addresses me as mam, miss, and madam when I talk on phone.
This week has been horrible though. I've almost never have anything on my name, instead have mother's and let her do all the talking. This week I opened a new bank account, and subscribed to a internet connection (a rather expensive and dedicated one). Both of these have my own name on it for a change. Although I have been using my chosen name of the last 14 years (since 10 years old), officially I still have my given name and have not changed it yet. My given name is not really male, but the last name is fathers. Here in my country boys get father's names and girls gets mother's names. So, it will be assumed that I'm male.
The bank account is a business current account, and I've received three welcome calls and all of them refused to identify me as the account owner. They keep verifying everything and then go "okay everything confirmed... okay ma'am could you get mr.<name>?" I go "yes i am <name>"... they go "sorry ma'am but the account holder has a male name..." ... "well I am the account holder, can we continue now...?".... then they go "really sorry ma'am you are not authorized to operate this account. thank you for your time. We'll call back later when Mr.<name> is available."
Umm... this went on again and again, afterward I contracted my local branch office specifically my account manager to ask about debit/ATM card and checkbook. The guy absolutely refused to discuss the account details with me. I actually met the guy with mother when I opened the account, and its true that she did all the talking. However, its just unbelievable that they don't accept me as a male. The same with my ISP, they refused to accept me as the subscriber when I requested a plan upgrade today. This would have been a good morale booster if I was further into my transition, but nothing is ready right now >.<
I guess the only thing I have going is the hereditary hair loss and the beard shadow, I'm not too good around people.. but i guess I'll have to meet them to get things sorted out