Ghastly, incompetent service. Takes ages to get through to have call answered. You are then passed on to someone else.. long wait ghastly music. They cannot deal with the query so passed to another person...long wait because we are busy. More ghastly music. Person cannot answer query so will send answer through second class post. We ahve tried 5 times to go through this awfu process using 4 different activatation codes and many hours on the phone. Only to be told at 5th attempt there was a problem First Direct end and they will sort it and send yet another activation code by second class post that make take up to 10 days. Unbeleivably incompetent. Steer well clear. Often peopl at the other end have strong Scottish accents and make it very difficult to follow a conversation. However, they are always very polite and apologetic for the poor service.