Rapha, nice but a bit pricey?

To be fair they never actually cocked my savings up, just everything else.

I had four bank accounts and a credit card with them, all closed now except the credit card which will be closed when my 0% deal runs out. Generally my experience with them was: if they can cock it up, they will.

I moved my ISA to Santander because of the great rate. Haven't had any problems. It was all automatic to do and I haven't had to deal with them because it's just a monthly DD.