Worst bank ever. They sent me a letter telling me they'd set me up a direct debit - I already had one. They cancelled the wrong one without telling me. They charged me late payment and interest. They reinstated the direct debit - incorrectly - and my account went into arrears again. It seems direct debits can't be reinstated so customer services got that wrong as well. They appear to be incapable of handling even the simplest matter correctly. I've had a telephone call. They're sorry. Sorry. Sorry. Sorry. And now I have to go and set up a new direct debit to replace the one they cancelled. Do yourself a favour - go to another bank. I am.