Of course they shouldn't Mr (or Ms) Pachino, it was an ill-judged and probably desperate move, we all know that. And we haven't a clue about the circumstances, because nothing's been communicated. Maybe they were hoping for a loan or overdraft that wasn't granted.
However, it just doesn't sit well with me to destroy some fellow soulie's life for the sake of my 30 quid. The whole thread was starting to remind me of the stoning scene in Life of Brian https://www.youtube.com/watch?v=mm2BsjACkuI I'll take two pointed stones, two flat ones, and a bag of gravel please Oh and I'd better take a beard too.
Don't get me wrong Davie et al, if I was sure someone had maliciously set out to defraud me of even 30 pence, I wouldn't rest until I'd annihilated them, and I'm a complete bastard of an enemy to have. But these people are not our enemies for God's sake. Could we not have a think about what we might be able to do to help them? Giving them a nervous breakdown is hardly likely to assist in getting our money back. If we continue with a measured approach we'll be much more likely to get a successful resolution.
Right then, my first suggestion is, if they're finding it difficult to face anyone, would they be willing to speak to a third party who could maybe fill us in on what's happening? An accountant or other professional if they've got one? Seems to me first priority is to get the communication channels open again.
T x