Contravention of Legislation | Harassment | Threatening | Non-communicative

This must be one of the worst ethically run companies in the country. They send out threatening legal letters, refuse to give contact details, in fact they specifically state " We regret that we are not always able to phone you or to take your call or to respond immediately to your communications" yet give YOU three days to respond. All of this is done in blatant contravention of legislation. How are they allowed to continue to operate in this manner and why has nothing been done about the conduct? As for FNB, I no longer have the words to describe their conduct in this matter!