Thanks to Kylie McKay of Romsey for supplying this postcard.
The writer is Elsie of Chandos Street, Coburg. Fanny McKay lived at Hill Croft Farm in Newlands. Elsie refers to two former students of Coburg State School - C. Phillips and L. Libbis - and there's been some sort of tiff because she's not speaking to them.
I'm not sure who C. Phillips was, but the Libbis family lived in Mayfield Street, Coburg between 1909 and 1912 when they moved to Nelson Street. Leslie and Bill Libbis both served in World War One (Bill was killed in August 1915). They had a sister Myrtle Lilian, so perhaps she was called Lilian. Otherwise, it appears Elsie's argument was with Leslie. We may never know!
Both Leslie and William Libbis are featured in my book The Old Boys of Coburg State School Go to War which is available from Coburg Historical Society.