Manpot For me in the rebuilding of the South Sound Villa, my biggest villain has been First Bank. Very slow in giving me MY funds to rebuild the villa This month it has taken 11 month to get 93k Hardly a month of expenses. They have also charged me 12 K+ for "insurance" for a totally demolished villa. In addition they are holding my insurance money discussed above. I send them E_mails and almost never get a response. When I call by telephone it does seem to get them to do something. But my complaint on the insurance for which I have no policy, did not approve and did not want. Who insures a demolished building. I view this as fraud!