Scam victim late 2020. Refusing to refund all the money because "it was partly my fault". FD's service then was nothing short of shambolic; only 3 staff provided positive customer service. FD deals with account fraud, combined department (HSBC, FD AND M&S) card fraud. Then approved fraudulent loan. As it was online application, they didn't need to check with me as the supposed applicant. Really! Their online systems and employee vetting are "robust". Absolute rubbish!! Asked FOS to investigate. Waste of time, they sided with FD. Report states they located some of the money at their parent company but don't know how much and when it will be recovered. This is the 21st century FD. Your reputation is tarnished, stop living on previous glory. CEO's email address in public domain so another opportunity to voice your feelings. Now actively looking for new bank, to move when saver account matures. I've had enough....