My cards were stolen. They told me they were issued. Would i not have phoned 5 days later to ask, i would never have known they werent! Guess what 6 days later still no issue. Its caused an IT error apparently. They dont know when they can fix it BEFORE they issue the cards. Their solution is for me to arrange cash collection by appointment to a bank.. They expect me to operate a bank account without any cards! Am going to go to another bank and get £200. Am also considering moving the Joint account too, as I cant even access that. They used to be good. But they are done.