Everything that is called On-line is being turned into a tool to exploit citizens in every possible way. Damart is sending me a cheuque instead of refund.. They say that I paid them with a cheque whereas I have never paid anything with a cheque in my entire life...!! They withhold my money for weeks !!.. Because banks have shut down too many branches, there is no bank in my area.. and I will need to travel to reach the bank just for Damart's cheque/refund.. Everyone, particularly banks and businesses are hiding behind screen, and they have made it too difficult to reach them.. on purpose I suppose!!.. I am personally Done with On-Line all together!! .. I am really tired and fed up.. CASH & FACE-TO-FACE & BUSINESS AS USUAL .. that is the old and centuries tested way of trade. And YES IT IS THE BEST On-line has turned banks and business' minds go crazy!! There is no longer customer centered services .. That so called technology has been made like this, to allow unlimited abuse and aggressive behavior against every citizen. What is coming next upon us.. if we continue accepting their abuse..??