This morning I spent 2 of the very worst hours of my life being talked down to, patronized and made to grovel.
I initiated the call in response to a general letter sent out to all SME's suggesting that "if your business has been affected by CV then ring to set up a payment plan for any outstanding PAYE and NI"
I don't owe them very much but I might as well have owed them £millions the way I was spoken to .
Why do they employ such nasty (handpicked) people. I was reduced to tears for less than £2000 .
and to think they are about to get a pay rise. 
Terrible relationship with DIL - am I the problem?
When is a royal tour, not a royal tour?
Significant rise in both anti-semitism and Islamophobia


. I had experiences like that in the past and used to dread any dealings with them. However, I recently had to make contact with them because I realised that I was owed a sizeable refund. I made a coffee and sat down, prepared to wait through a lengthy period of hold music before some grumpy soul tried to fob me off with one excuse or another.