Where should I start? They cannot operate a simple direct debit, have been trying to sort this out since April - 5 months. They told me I'd have to wait while they investigated it. Eventually got a reply telling me to contact my main bank HSBC saying that HSBC were at fault. I had to contact HSBC only to find as I expected, that HSBC were not at fault - Tescobank were at fault. They now tell me that I have to wait another 40 working days before they can complete their investigation - what do they need to investigate now? HSBC wrote to them in August and told them what they had done. They couldn't operate a "piggy bank" . Have written to Benny Higgins, their CEO who has passed the matter to their Executive Complaints Team who seem to be as incompetent as the rest of them!