If I could give 0 I would. At Christmas a glitch from my partner’s personal account meant his share of the mortgage didn’t go through, though my share did. Nationwide’s response? Move us into the standard mortgage rate. Apparently it happened last month but no one told us. This is pretty typical of them to be honest. Don’t bother using their online forms, nothing get through to them from it. Since our Covid payment break ended they’ve sent us letters every month to say our mortgage is in arrears when it isn’t. You get mixed messages, no one says the same thing as each other. A few years ago, we both had good jobs and good credit and they take our overdraft off our joint account - to this day we have no idea why. They contacted and text my partner about my credit card - I didn’t register his number when I set it up so data protection clearly means nothing. I have never seen such a shambles before.