THIS BANK MUST BE THE WORLDS WORST.THEY NEVER ANSWER THE PHONE A MEMBER OF STAFF ALSO CONFIRMED THAT TO ME .I RANG INTERNET BANKING . WAITED 25 MINUTES . THEY TOLD ME THEY WOULD PASS ME OVER TO SECURITY WAITED ANOTHER 25 MINUTES GAVE UP AS I WOULD BE CHARGED IF I WENT OVER 1 HOUR ON MY LAND LINE.