Initially the service was fine. Then when you want to close your account, for instance to improve your credit score before buying a house, they completely ignore you, refuse to close the account, keep a line of credit open that you don't want and ignore your emails. iv'e attempted to close my account on 5 separate occasions over the course of 6 months. My account is still open, i still have a line of credit with them, and they've not replied to a single attempt to contact them. The next person i email won't be creation, it'll be the financial ombudsman, and i'll be seeking compensation if this impacts my ability to get credit elsewhere.