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First ditect poor service
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            Their internet banking was very basic (as in poor functionality not good simple) and the staff seemed to be bordering on condescending (they seemed to believe their own hype).
 I'm glad I'm not the only one who noticed a distinct attitude of "we're brilliant and if you don't think so or we don't think you deserve it then f**k off" from them at times.
 The final straw for me was when I called up to open a joint account with my partner, went through on the normal number, was put on hold for a couple of minutes and the bloke bluntly said to just call on another number so he wouldn't have to be on hold with me. Like, OK, so you're so wonderful but I'm also not worth you holding the line for five minutes to make sure I get through to someone? I complained and got niceties like "sorry, shouldn't have happened" but it seemed to be an attitudinal thing across fd.
 A few weeks later I opened an account with Halifax and switched my sole account, and from there my partner's sole and our joint HSBC accounts to them as well. £200 better off between us, monthly rewards, debit card cashback in certain places and no attitude like we weren't good enough to bother with. Same again now with Nationwide, who are also better (my partner's application has gone smoothly and without any fuss, in fact with less fuss than either of us expected or Nationwide said it would.)
 IMO the only place that's ever lived up to customer service hype is American Express. FD aren't even close.urs sinserly,
 ~~joosy jeezus~~0
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