It won’t have escaped your notice that UK banking is in a sorry state. My personal experience of domestic banks over the last forty years is that they are singularly incompetent at everything they do. I won’t bore you with a catalogue of woes, but I will share my latest experience with you. My partner and I have a joint mortgage with Halifax. The other day we received a letter as follows:
Dear Mr Dobson & Miss Jordan
That’s it! That is the entire letter. See the scanned image. The only manipulation I’ve done is to blur out our postal address.