To lofty and anyone else who has a problem with their Bank or a proposed Bank. Make a formal complaint. The Bank then have to deal with the complaint. If the Bank's response is unsatisfactory, then send on your complaint to the FS Ombudsman Service. Simply the threat of being reported to the Ombudsman is often sufficient to make these financial arrogant monoliths. Nationwide included. I have just been offered compensation for some problems I had with the Nationwide BS, but my problems were minor in comparison with some that I see reported on this and other sites.

Don't put up with bad service from anyone. Make formal Complaints and vote with your feet. If enough people made formal complaints, services would improve simply because these financial business models could not cope with a flood of complaints, nor would the FS Ombudsman Service be able to cope. As, happened recently at the Courts Service with the complaints and claims made for the rip-off charges being made by Banks, and Credit Cards and other financial services firms.

The Ombudsman Service have to make reports on how many people are making formal complaints. Storms of complaints do sometimes lead to changes in legislation punishing the offenders. The Banks and Financials also do not like being exposed to receiving a bad press, for some of the more outrageous rip-offs they've been involved with.

Make FORMAL COMPLAINTS, whenever a wrong is suffered or likely to be suffered by incorrect and/or arrogant behaviour.