it has become clear that MCM is in the business of fraud, deceit, deception and prima facea criminal activity. MCM has averred that my husband of 29 years are not married. MCM has sent numerous statements to addresses at which we have never lived. MCM has relentlessly hounded my XXXX year old mother-in-law with phone calls that sent her into a state of sever mental distress. MCM has consistently bargained at a level far below bad faith. to be quite frank it would have been far more pleasurable to deal with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.