* After we went for our first appointment with a mortgage advisor. I had Experian, phone me, they basically asked me why I had submitted a mortgage application 7 times in one day. Turns out the mortgage advisor had submitted our details into there system, 7 times, incorrectly. We was unable to go to a different bank after this for another quote. As our Experian score had gone from excellent to poor and it took us some time to sort this out. * The 1st direct debit was set up incorrectly. Which meant we was charged a mortgage arrears charge of £35. *We contact Lloyd's and sorted this out but for some reason the mortgage arrears was still left on the account. *I rang, I emailed, I sent letters and I was unable to remove the mortgage arrears on my mortgage even though we got the money back for it. *Even though I complained a number of times and got our money back for the mortgage arrears, each time they paid us the money, they put the money directly onto the mortgage account and not the mortgage arrears, meaning it was still left on. In fact it did not go off, until, I finally had enough of them and decided to switch bank. *I wouldn't trust this bank at all and just so you know, they also own Halifax and Scottish widows, that I know of. *I wont be doing business with them again or any other company they own.