Plus one for Barclays being crap, just tried to borrow from Barclays and despite being preapproved for maximum overdraft and having impeccable account manners I couldn't get the headline rate of 8.7APR which TBH I would have been happy with (Been with bank 22 Years - easy)
If I couldnt get the rate I believe nobody can, I asked barclays why I couldn't hget it and pursued it over three weeks through their complaints department, they still havent told me why I couldnt get the rate. Anyway got approved with Sainsburys and Barclays as part of a telesales campaign caught me in and promised to pricematch and better the sainsburys rate by £1 automatically.
Barclays are a bunch of f**kin tossers and I've pledged as soon as possible I'll be sacking them after 20 odd years and ditching every policy, account fee, life cover, home insurance, critical illness policy I have with them.
No loyalty to a 22 year customer, remember when I first got my first mortgage with them I had an interview with the branch lending officer, nowadays its "computer says no" at its absolute worst
I'll ditch every product they have ever sold me and they'll never know why which makes me really happy....
Ive heard First Direct are pretty good anybody got any experience.....