“You are likely owed too little to make it worth fighting for.”
That is an extremely important statement you make. Give an inch and they will take a mile. The new norm is “extreme obstruction or diversion” with every tool available and contrived to “make it not worth the trouble”. And not just government, banking and big business does the very same thing. Especially with “customer service”.
They are well designed deceptive tactics that create an undeserved profit. And if we slack off and keep allowing this it will just get worse and become standard accepted protocol. We need to quit being lazy and make that extra effort forcing them to make it right.
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