OK, so last Friday we phone the loan company and they can do everything over the phone - Great!! - it will be posted correctly filled out just requires our signature.

It's Wednesday, I call, where is my form? It's being processed... huh? We gave the info over the phone, it is my understanding that all that needed to be done was for the form to be put in the mail.

Well it turns out that the person answering the phone fills in an email form... the form is emailed to another department. When received by said other department a person finds a real form and a pen and writes out BY HAND the details on the email form and then mails it.....