No point writing any point.
The org has its own system and way of working which is not at all satisfactory.
Its neither transparent nor customer friendly.
Not many outlet for payments
Not been getting bills regularly/ monthly
Penalty for exceeding the limit is not the right approach. Instead the system should rejecdt the transaction exceeding the limit.
Too many penalties interest on excesses amount.
This is not user/ customer friendly.
This amounts to cheating the public