For anyone researching which Bank to use - Here isa copy of my final letter to Abbey [Santander in the UK] before finally giving up trying to do business with them: ATTN: Jackie Howard Banking Servicing. Thank you for your letter [JLH/1276/CST2STLMT1 A/C xxxxxx xxxx xxxxxx] dated 17 December 2009. In which you wrote: “It is disappointing that the service you have received from Abbey has not met your expectations”. My expectations were that I may use the account i.e. with a valid Debit card and correct... read full review »