Applied for a credit card on the 9th Sep the credit agreement arrived on the 19th Sep i signed the agreement and sent it back i checked 5 day later to see if the had received it which they had not i was told to ring back 2 days later bearing in mind each time you ring you will wait for over 30 mins to get though to anyone. I rang back still nothing received told to ring back 5 days later which i did another 30 min waiting to be told they would send out anthother agreeement but this would take 7-10 days to get to me i suggested they email this to me but they do not use email only telephone and 2nd class post. This is the most antiquated system i have ever had the misfortune to have to deal with. I still do not have the new agreement or credit card but i do have a letter from Carol Roberts head of Customer services telling me they do not have my agreement !!! When i asked to speak to Carol Roberts i was told she is not customer facing !!!! The head of Customer service not customer facing !! Unbelievable