"If you have already set up a Direct Debit arrangement then you're done."

Well I have some sympathy with organisations that are trying to be a bit less formal by ditching officialese. They do go a bit over the top at times. I've just had some protracted email correspondence (concerning a rather large financial matter - no criminality involved! - which took months to resolve) with a solicitors' firm hundreds of miles away. The person who finally managed to sort it out for me signed off her final email "With kind regards, Imogen." I'm OK with that. In my (separate) dealings with my late mum's affairs, I'm on first-name terms with my solicitor (who I've only ever met once, briefly, twelve years ago). Among several doctors and other medics who have worked on my ailments over the years there's been Adam, Dave, Charlie, Rob and Gretel. There's nothing to say that due deference can't still be afforded simply because we use first names or less formal language in m'humble...