I have been banking with the bank of Scotland for more than 30 years and they are telling me gobelty gook, What is a joint severed account? I have just found out that the visa side of HBOS has rejected the money I have paid them towards my visa account. When I phoned to ask why the security questions they said where wrong, My DOB MY address and MY visa Number. So now they will not talk to me. I think one of us is off their rocker. PS I am sain. and I am leaving the HBOS as soon as possible. What would happen if we all left?