If 'Citizen Smith' (remember 'Wolfie?') takes out a bank loan, and agrees to pay 'n' quid a month, all is well. As soon as he fails to make just one payment, said Bank will send him a Snottogram within days, if not hours. Why cannot a modern-day Union, with loadsa dosh in its coffers, not be able to use similar cheap software to manage its affairs?
Are Luddites alive and well at Untie?
I think we should be told.