No telephone ethics

Consultant contact me regarding arrears on cheque account, to your disappoint no telephone skills at all,forcing me to make alternative arrangement whereas told her numerous times on call unable to make commitment due to make current finance situation. This is totally ridiculous, for company to force consumer whereby cannot even make ends meat now. Not to top it off standard bank of all the bank.. totally discussed with service delivery I am getting not even fun. DO NOT USE THESE BANK WORSE EVER??!!!