I banked with zllotds for over 20 years. The last 10 were horrendous. Lack of customer care. Not bothered at all about your concerns. Just wanted to get you off the phone. I still had my credit card over the years and viewed to pay off and get rid of the card. About 4 years ago I had the misfortune of carrying on with the card. The payments were very high and once I retired in 2019 approached them to request a freeze on the interest so I could catch up with payments. I'm now a pensioner with basic pension. I rang and spoke to them explaining my dilemma, and effectively I would be classed as vulnerable but they were not concerned. I spent hours on the phone being passed around departments. In the end I agreed to pay a minimum amount each month. I paid faithfully and in june two years ago I rang them to inform them the payment would be teo days late as my money hadn't gone in. Apparently I was penalised for this. Now spent over 6 months with same old phone calls robbing off after they ring me asking me for my account details which I font have as guess what I font have an account with them anymore. This evening I've tried to pay online without success. Having waited for the representative informing her of my dilemma she informs me she cannot take the payments as it's gone to debt department. I've not had any notification if this. They've just gone ahead and done this. I'm sick to death of their total unprofessionalusm and lack of empathy. I'm now taking the matter to the FSO. Stay clear of this bank is my advice