The scene. A shop. Quite a noisy sports goods shop playing pump it up let’s get this fitness ting movin’ music. Sarah is trying to get me to make the decision between the black trainers with the black stripe and the black trainers with the pink stripe for her. The mobile rings.
“Hello, Alexander McNabb.”
“Hello?”
“Hello!”
“Hello.”
“What do you want?”
“Is this Alexander McNabb?”
“Yes, it is.”
“This is HSBC customer service.”
“And?”
“Hello?”
“Hello.”
“I’m calling regarding the issue you had with a transfer. You raised a customer support issue with Internet banking.”
“Right...”
“I need to ask you some security questions.”
“Okay.”
“What accounts do you hold with us?”
(told her, not telling you. Not that I don’t trust y’all, ye understand)
“What is your current balance?”
“I have not got the faintest idea. Not a clue.”
“Well, what was the last transaction on your account?”
“I couldn’t even begin to tell you.”
*desperately* “What is your date of birth?”
“Fried eggs and ham.”
“Thank you. You had an issue with Internet banking. I’m just calling to help you.”
“What issue? I don’t remember an issue? When?”
“About ten days ago. You had an issue with IBAN numbers.”
“Oh, Lord, yes! I remember now! You require an IBAN number on transfers to the UK but there’s no field specifying that you need an IBAN number on the online form.”
“We now require an IBAN number on transfers to the UK. You can insert this in the ‘comments’ field in the online transfer form.”
“I know that now. I had to call your call centre to find out and then I asked the call centre person to escalate the fact that there’s not actually a field in the form that requests an IBAN number. That was my problem, you see? If you require a critical piece of information to complete a process, you actually need to ask people to insert that information in an appropriate field, marked, for instance, ‘IBAN NUMBER:’.”
“Yes. You have to put it in the comments box on the form.”
“But that’s my issue! How am I supposed to know that I need to put the IBAN number in at all? By osmosis? By a process of miraculous information transfer? Holes opening in the space-time continuum? How simple is it to put a field on the form that says: IBAN NUMBER:?”
“I apologise, but that is not possible at this time.”
“Oh come on! Of course it’s possible! A badly trained macaque of below average capability could add a field to an HTML page in less than ten minutes. Instead, they got you – a call centre operative with about as much chance of influencing any policy decision regarding your bank’s woeful inability to make its systems even marginally fit for purpose as I have of winning the UK national lottery – to call me and say sorry but it’s broken and we’re not going to fix it.” 
“I do apologise. I can put a request to escalate this with Internet banking.”
“They pushed the whole issue down to you! Are you going to escalate it to them so that they can push it back down to you so that you can call me to tell me you’re sorry that the issue about the issue regarding the problem I had is still an issue?”
“I’m sorry.”
“Let’s face it, you have absolutely no ability to escalate any issue whatsoever, do you? All you’re going to do is repeat sorry until I stop shouting, aren’t you?”
“Sorry.”
“Why don’t we end the call right here? I don’t have to be rude to you and you don’t have to listen to a rude and angry customer and we can both get on with our lives without the irritation and frustration of this call and your Internet banking form will continue to lack a simple input field requesting information that is crucial to the process in question.” 
“Is there anything else I can help you with?”