A little knowledge is a dangerous thing. Drink deep to taste the pierian spring. There are numerous instances when banks do not send the bill at the correct palce even after you intimate a change of address. After 2-3 defaults when the interest rates pile up they employ recovery agents. There are many more horrendous stories which you arent aware of . If things were so rosy why dont the bank executives come on phone straightaway when a customer complains rather than allowing things to be haggled by an illiterate call centre bloke who knows to mouth exactly 5 sentences of niceties. The multinational banks need to be taught the rules of the game and the severest of punishment should be meted out to these recovery agents who have no regards and respect for old people also.