Ok cut a long story short, tried to reclaim packaged bank account unsuccessful,( after seeing it on the site) but the process of using the financial ombudsman service, they were rude , called me a liar, very stressful. Made complaint x2 about the service which they agreed that their service was well below the standard they expected and offered me a bunch of flowers or money which I politely declined. Who regulates this service who are they answerable too or is it just self regulation (which means they can do what they want) would Martin get involved ? Any thoughts? anybody had similar experiences?