Sadly my experience matches other posters on here.My first call was nearly an hour only to be told their was an IT problem so they couldn't access my information.The next call was an hour and a half wait to get through to someone who insisted reading the legal information so fast ( even after repeatedly asking them to slow down) and in a very strong Scottish accent so I had no idea what I was being told. Surely this can't be right that a major company like this can offer such an unbelievably poor service to their customers.I would recommend everyone on here who is complaining to make a formal complainant to the FSA who might be able to force the company to improve how they treat their customers.