Three weeks ago I have opened Flex Direct account, since then I am experiencing mistake after mistake. First they could not register my details for internet banking (I can not use branch) so they push this to me. Obviously I was not able to do that so they registered me manually but forgot to send me card reader and passwords necessary to confirm my internet banking. When I called again they had no clue what is wrong? Anyway I have to wait another 10 days for card reader. If you want to open flex direct current account be prepared to wait at least one month for setting everything up. Of course you have to call them and remind yourself otherwise you will not be able to use your account. When I opened account at Lloyds all procedure including waiting for letters took 6 days only.

We tried to get a loan from Nationwide bank. They said they found a lien on our property from 1999 placed on the property by NATIONSBANC MTG CORP and requested that we get a Satisfaction Letter. However, since we have refinanced at least twice since 1999. Once with Wells Fargo and our current mortgage is with Citibank. It is unlikely that lien is valid if we are able to refinance more than once. Furthermore, NationsBanc merged with Bank of America in 1999. Since they don't do business under that name anymore, shouldn't the lien be updated to have their current name, Bank of America? We called up Nationwide bank talked on their recorded line with Jeff. He said the search was done about 10 days ago by their vendor, and based on the result we need to get satisfaction letter from the lien holder because it has the first lien position. RED FLAG! Why would Citibank and Wells Fargo agree to the refinancing if they are not in the first position? Well, according to Jeff, Citibank is not in the first position; it is not even in their search result. WHAT??! We last refinanced in 2010, so our mortgage with Citibank is at least one year old. I told Jeff that they need to have their vendor re-run the check, because if the result does not have Citibank, it can't possibly be current or correct. This is where I am very disappointed with the response Jeff gave me. He said that since they ran the result about 10 days ago, they won't run the check again. They won’t even request their vendor to verify the results are correct. There is no convincing Jeff otherwise. In fact, I am pretty sure he wasn't listening on the other end for a while because it took him sometime to answer my hello when I suspected he wasn't listening. (How rude!) Although I think Jeff needs more training in customer service, I seriously doubt this is just a problem with an individual. There is a systemic failure here that needs to be addressed. If Nationwide bank is such a head ache now, imagine what it would be like once we do get a loan from them. We have excellent credit, and no, we won't do business with Nationwide bank.