Hi, I'm bothered by the fact that some companies, such as AXA Insurance, refuse to send letters to the insured, except for the periodic invitation to renew, which is the only situation where they are obliged by law to do so.  Otherwise they will do business only by phone, which, in many cases, involves a premium or shared-revenue number.  Does anyone know of other such examples?  Best wishes, Tyutchev.

Hi, Dave, thanks.  My question was meant to have a slightly different emphasis.  The organisations I have in mind conduct business by phone not to make customers use it, but because it is cheaper and easier for the organisation:  the RESULT is that, if customers want to contact them, they have to use what is sometimes (frequently?) a premium/ revenue-sharing tariff.  What is particularly frustrating is that, if you write to the organisation, asking them to reply in writing, they do so by phone.  Best wishes, Tyutchev.