I had 3 direct debits declined when there were sufficient funds in my account. Tried the chat function which was less than useless. Called and waited around 40 minutes before speaking to someone who told me I needed to go into the bank - there are none locally as my card had been blocked. I hadn't blocked it. It is my business account and services will be stopped or I will have to pay from personal account which will mess up my accounts. I have been waiting for another 30 minutes whilst they try and sort it out and have now been cut off. Have been with them for ages but this is truly the WORST customer service and as a freelancer a lot of time and hassle which equals £££