I have been with this bank for around 13 years. The call times, in the beginning, were between 45mins to 1.5 hours. This was a phone call that had to be made every Friday as my wages were never in....ever on time. I have been on Holiday before and they had taken too much into the bill account, when I rang to gey it transferred I was told there was a problem and the money couldn't be accessed. No good in the middle of a day out on holiday. I spent hours that day on the phone trying to sort it out. For a very short period of time in the middle of the 13 years, the service was acceptable, not good, but acceptable. and now it's awful again. Long call times, can never access funds, the option for a call back with a message saying not to worry if you miss their call they will try again. But they don't. They leave a message at best for you to call them back...so you do call and you wait an hour and you realise you've wasted even more of your day. Today I am late for work as I can't withdraw any money to get me to work to start with...or buy dinner when i'm there or to get home this evening. It's extremely embarrassing I start in 5 Mins.....it's a 40 travel to work, I'm still sat at home waiting to access funds. I ask for the minimum that could be asked for of a bank. Put my money in and let me take it out. It's the minimum a bank should be able to easily deal with and yet Think Money fails miserably, regularly. It is most definitely NOT "Banking made easy"