Tried to phone up to make an appointment in nearest branch (which isn't very near since they havee closed all the local branches) and by the time I had an appointment I was seriously wondering if I eveen wanted to have an account with them. The telephone system wanted a code I've never had set up and there wasn't a "press if you need a human" option - eventually dropped through to a woman with such a strong Indian accent that I could barely detect what she said. Why do they not have people who speak good understandable english on a UK phone line - really frustrating - seriously considering closing the account I'm so fed up with them.