and it is really bad service. I had to change after a few months, long lines....

I received 5 Default Charges on my credit card in error having made the payments from my Santander account to the Santander Credit Card Ltd. The default charges were all credited however the damage was done I suspect that the Credit Agency then got the wrong information about my payment record. To rectify this you may have to pay a fee to see your score and then fight to have the error rectified. I feel that any Bank issuing this kind of information should by law inform the customer first giving them a period of time 7 to 14 days a cooling off period to either rectify the error for say a yellow card or red for not sorting out the issue. All card holders who believe their credit score is maintaned at the right level are probably wrong. For Example Experian owned by Legal and General BlackRock and other shareholders may effect the rate of interest you are charged in the future by holding misleading information on customers. The hike in interest rates is not always due to economics but also complicated schemes that mean high rates for all those who don't challenge the methods they use. Having read tonight about Abbey National reneging on its promise of "free banking" for life to business customers I am having a meeting to press my rights. If they don't honour their word I will take legal action to defend my rights and hope everyone does the same. By the way also check that they don't also renege on the free life cover they gave you whihe you had an account with them. When I swore an oath to Her Majesty The Queen it included her heirs and sucessors. God save us all if you allow the banks another roleover

Been with them for 6 years, started as Abbey National. Good rates of interest have become derisory, like most, but my biggest gripe is all the effing obstacles they put in your way in the name of security. The latest farce is the (soon to be compulsory) one time passcode, for which you need a mobile phone which is with you and working at the time you perform the transaction. Their online statements show balances even when selected not to, and have the credits and debits columns the opposite way round to almost everyone else!!! Doing a reconciliation is a nightmare! Then there's the ATM's - for paying in cash you can only use theirs. And don't get me started on customer contact!!! Best thing is handy pay-in prepaid envelopes for credits.

My Abbey account has been operating successfully except. They insisted I had a credit card which I didn't want - easy to get around that I accepted it and then didn't use it.
When I moved - I couldnt change my address online. I couldn't remember one piece of my telephone security information so I had to go into the branch. I had to go a second time as whoever took the details didn't action it.
I've been without online banking access since they changed the login method; 3 times I've tried to get the details re-sent to me, 3 times it hasn't worked. The latest discussion with the rude call centre advisor ended in a row with me being extremely annoyed (which doesn't happen often).
I'm looking at other banks. I wish firstdirect did a business account they are fantastic at personal banking
Customer Service should be 0 (zero)

I have a on-line saver account and since May I have not been able to transfer any money into this account. After numerous costly phone calls and every time having to explain the problem, (which gets very tedious)I am told it is not there fault but the bank that I am transferring the money from, the problem being the money arrives in to my savings account then gets sent back 2 days later. I have tried with no problems transferring to other bank accounts. Yesterday after having explained the problem to no less than 15 people I have given up an I am going to look else wear to put my hard earned cash.

This review score could have been much higher if (a) they'd opened our account more quickly than 12 weeks. OK, so it was when they first started doing free banking, so there was a stampede... but even so, they did lose our details on THREE occsaions - something to do with an office move? P-l-e-a-s-e!

Then, one day I went to the cash machine only to discover I didn't have over £3k, I actually had - £300. I'd been charged for that too as I have no overdraft facility. How could it have happened? Well, someone in Asia had taken £1.20, £2.40, £1.34, then £800, £800, £800, £800 etc. until it went 'pop!'.

You'd have thought some kind of alarm bell would have sounded, especially as I'd had a couple of phonecalls the month before asking me if I'd just bought something for £60 and £45 on a previous occasion in the U.K.(!!!)

OK, so now we keep all our cash in the savings account and a dribble in the current, so that if we are a victim of fraud again ( it took 2 weeks to get our money back - tough trading times!) it won't be too disastrous.

After ten years as a sole trader I decided it was about time I opened a separate business account. Having been told it would take a few days to open, it took about a month. Although I can pay in cash through holes in the wall, these do not always work and Abbey are not prompt in renewing cards. So I pay a price for having interest paid on my current account.