Poor organization, or deliberately organized?

When I asked for proof that I was committed to a contract requiring me to pay up, they asked me wouldn't I rather just pay off the demand in instalments and the manager was never able to take my call.

Never have I been faced with a more evasive and seemingly unaccountable bunch.

In the end though they are accountable to the law and they don't want black marks against their name, nor precedents to be set that might leave them vulnerable to mass actions against them.

So naturally the merest whiff of the law had the manager scuttling to my aid.

I reflected on the issue of false bank charges at the time.