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I have recently taken a personal loan with HBoS and I was offered the Preference Account. At first I did not accept, but after getting annoyed at my credit card company (Capital One) I have decided to use it in favour of the credit card. The interest rate on the preference account is 28.9% oppose to my credit card is above 30%.
Re: Martin Rowley 's review: http://www.ciao.co.uk/Bank_of_Scotland_Accounts__Review_5067338
More specifically to Martin Rowley's reply - this is not the bank's fault. You are made aware of the interest rates when you apply, if you go a head and use a large chunk/all of the available money then that is entirely your fault, not the banks, so it should not receive a bad review for that reason - i.e. your irresponsbility.
I have no affiliation with HBoS despite this review possibly suggesting such, however it annoys me when people don't take responsibility for their actions and check obvious details such as the APR.