"b) the bank doesnt want to process them due to repuatational risk"
Another world class belly laugh..... the banks are beyond reputation risk... they are the very definition of repudation damage. did you miss the last 5 years of immorality committed by the banks and the executive team. you've probably normalised this vile conduct as the new norm and convinced yourself it acceptable... you leave that conclusion in every posting footprint you have spent a prolific amount of time posting... a paid troll with no limitation to your malicious conduct
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