I recently closed an ISA with them and unfortunately I had closed the nominated account for the funds to go to. After 3 days of unanswered phone calls totalling over 1 hour I got in touch and they said the money would be back with them and they would send me a cheque within 3 days. That was over 2 weeks ago still nothing. They aren't answering the phones and we're up to around another 2 hours waiting for an answer. Only automated replies to all my daily emails. They still have £ 16k of my money and I don't know how to access it. Customer service non existent.