How about the its Collections Dept? Did anyone had a very cruel encounter with one of it's personnels? I have a friend that was called in by a certain Mr. J from this department regarding a payment that wasnt paid full for this month, he wasnt aware of this until he opened his account online, but before that, my poor friend was shouted at, harassed and threatened that the case will be submitted to the legal dept for not completely paid the balance... such a traumatic experience over the phone... he always pay diligently, been a genuine client for years, and that 2k balance which was delayed all robbed him of his dignity... what a cruel world, ... tsk tsk tsk