Joined First Direct from its set up and the service and people were exceptional. Very poor now, never get through to speak to an advisor” always we a very busy at the moment” even at 4am! When you do finally get through the competence level is low as is the interest for delivering the attitude that customers rightly championed in the past. Nationwide is my preferred choice now but to unwind decades with FD is difficult. It is no coincidence that all this changed when working from home was introduced so can’t see this changing. Needless to say I will not be championing them in the future.