THE EDITOR, Madam: I am writing to help the public understand what is happening in the banks in Jamaica. Customers and businesspeople are at the mercy of the banks, which treat them with impunity and no respect whatsoever. Recently, I had some difficulty making timely payments to my credit cards. I worked with some persons in the bank to completely pay off all the balances on the credit cards. During this time, the bank would place holds on my accounts which, although I disagreed with them, I understood the reason for.