Less than one star. Are JL serious about staying in business and keeping customers? Transfer process useless, trying to apply to transfer, they blocked my existing card. I AM NOT JOINING MI5, just transferring financial providers!!!!!! Useless, useless, useless. I am now considering ending relationship with John Lewis. Lost my husband last year, got covid, cannot communicate with useless dr surgery either. 'We will not tolerate abuse' Why not? At the end of the day, if there are no patients or customers, how do these companies workers get their mortgages paid? I've said enough......... if I have to go private for medical, can I opt out of NI? Get a grip and look up work ethic.