I accidentally discovered on a simple customer services call that there was a 'credit problem' reported to the Bank via Experian. I knew this had to be a mistake and the Bank refused to supply any information regarding the problem to me. After paying to check my records myself I was able to call the bank back, later that day, 2nd April 2009, and advise them that my credit report was clean and the error must be in their data. I also advised that the information they had supplied regarding a personal loan I had with them was wrong and that my debt had been exaggerated by around 40%. I was treated like scum by the first two individuals I spoke withm, they lied about tthe FSA regulations and Banking code. I work in banking and so know what they said was untrue, the average person would not know this. I also told them that I was searching for my next contract as I was due to finish at Easter, and that I had to ensure that this had been fixed before I could look in earnest as I have to have credit checks done before, if my credit report came back with a problem because of their error I could kill my career prospects stone dead.

I waited 4 days for a call back and then called again to find out what was happening, I was told that I was correct there was absolutely no problem on my credit report and they would be working to resolve it, it could take a week or so as they were understaffed. I then wrote to them to formalize my complain. I heard nothing and so wrote agin on 15th April and on 5th May 2009.

Today 13th may I finally get a holding letter from them stating that they will respond in 4 weeks...no apology, no rectification and all the while I cannot look fior me next role as I cannot risk this error coming up on background checks.

The bank are ruining my life and it's THEIR ERROR NOT MINE!!!I cannot change my Bank Accounts until this has been resolved otherwise I will just transport the problem with me.

I have no idea how they can get away with this... and I chose them as they describe themselves as an ethical bank..don't make me laugh!

It's free banking... so I guess you get what you pay for. The Business Internet Banking service is awful. It's often not available. The default statement display only shows todays transactions and the widget to set an earlier date is very slow if it works at all. When reconciling my bank statements I found a cheque I had sent with 2 other cheques on the same paying in slip had been omitted from the credit. When I queried it, the money was paid but with no apology or explanation.