Really quite awful from start to finish. Made a 0% Balance transfer which took nearly 4 weeks to transfer across. Several attempts to log in online failed to make a payment, unable to get through by phone, leading to delayed direct debit and missed payment. Direct debit then set up, the card was safely locked away as not needed for use. The direct debits then leave my bank account on time every month so think nothing more of it. A periodic check of my Sainsburys statement however showed they had removed the 0% because of the missed payment - no email, letter or call was made to inform me. If they had I would have transferred balance immediately. Complaint made to the Ombudsman and have now transferred the full amount to a better established bank. It's a competitive market - please whoever reads this learn from my mistakes and consider a better known banking company where such a string of issues is much less likely.