Me: “Thank you for calling [bank]. How can I help you?”

Customer: “I have a complaint.”

Me: “Sorry to hear that, madam. What is the problem?”

Customer: “I have an account with your bank, and just used my card in an ATM belonging to [rival bank]. I tried to take out £50. It gave me my card back, but I didn’t get the cash.”

Me: “Sorry to hear that, madam. You will need to go into a branch of [bank] to fill out a form. They can then re-claim the money for you from [rival bank].”

Customer: “I don’t need to do that. I have a camera on my phone.”

Me: “What do you mean?”

Customer: “Look, you are wasting my time. Call your supervisor; tell them that there is a very angry woman on the line with a picture of an ATM on her phone. Then he can press the little button on his desk that will make my £50 come out. Jeez, I didn’t realise I’d need to tell you how to do your own job too.”