They've already contradicted themselves during previous tel calls. One employee said that they wouldn't accept faxes from my wife. Another said they would. Another said she can't email them. Another said she can!

Of course, they needn't trust me as the bond is in my wife's name. On the phone they act the daft laddie. I wonder if they dislike the money being in my wife's name coz she is Chinese and she has poor English.

Anyway, I'll sort it all out for her.

Their partial encashment/full encashment (= bond surrender) form has a box which says 'Please give reason for encashment. This is for our information only and is not a mandatory requirement'.

They should mind their own business. Bloody cheek!