From Guy GarrardHow refreshing to read Nigel Payne’s response to Simon Mouncher’s letter in Mortgage Strategy (November 14). The Mortgage Business is “firmly behind packagers” and sees them as being “closely linked” to its growth. What a shame then that as a major UK packager all of five minutes’ drive from TMB’s Chester offices, em-financial is still awaiting a fax, an email, a phone call – even a visit from a BDM. It’s a curious world we live in where the customer still has to chase the provider. Talk is cheap, Nigel.