Horrible, absolutely horrible. Been a client of theirs for 11 years now and I'm not even eligible for a small car loan or a credit card. 3 years ago I applied for a credit card as I was receiving weekly posts/emails about applying for one, when I did, my application was denied for a very vague reason. Fast forward 3 years, my credit score was suddenly slashed by 90 points because of an account that was closed, care to guess who the account was with? Yup, Barclays. They had opened up an account for me without my knowledge and closed it due to inactivity as I didn't even know I had it which resulted in my score being slashed 90 points, and they didn't even acknowledge the mistake. Stay away from them.