Advice. When you call and they act persistent and nasty with you on the phone. Don't hang up. Hold on the line and refuse to hang up, it really peeves them off because they have targets on the time they can handle a phone call. Probability is, is that they have the same phone calls over and over again, but it dosen't make it right for her to talk to you like that. With the charges thing now being a big thing now, you can imagine that that the banks are putting some heavy pressure on the advisors with the charges which isn't fair, but alot of them don't really have problems with debts themselves so they don't really care as they are working in a bank passing a credit search. They have no right to be snotty so just ask for a manager if they act that way. When I call, I always give respect, and I expect the same thing back. They have my services and MY MONEY and make plenty interest from it. They have no right to be any way with you when you query £500 of your money