Isn't it about time that someone did something about the CBA - not being ready to settle quite often until the day of settlement, not being ready on the date of settlement, not creating documents in time, not providing payouts, inordinately long "turn around" times. It is used to be unusual for a settlement not to take place on the day it was due. Now if the CBA is involved I have taken to warning clients that this may not happen! So much time wasted trying to get them to get a move on, both on the phone and in conversations which they do not answer. Why do we need to escalate matters? They are aware of settlement dates and should have their own systems in place to escalate or communicate with other areas of the bank. Perhaps I should ask them to contact people in this office to escalate matters! and they ask to be treated with courtesy and respect. what courtesy and respect do they show our clients, or us when they ignore conversations?