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I have banked with them for ten years and have always had problems with them. I always seems so hard to process a simple transaction for eg, to change you address you have to fill out reals of forms... its 2010 have they relised that yet. It also seems the look after older customers rather than new customers get the feeling you have to be in the right click..
I put up with a nasty cash card for about 10years lol, Went to natwest and instantly got a visa debit card, a master card CC with £1000 limit and a £2100 overdraft.
I could not understand this so I got a copy of my credit score and report i have 800 out of 1000 that is good i was told so asked them for a debit card.. guess what got told no.. so closed all three of my accounts today and walked out feeling very happy...