Santander/ A&L: Took my rent out twice on the same day. Consequence? Overdrawn so they bounced the payments! Got charged for both and an overdrawn charge. Rent not paid, council tax etc. Eventually got them to refund the money and repay the charges (insisting over the phone, constantly, that it was an "act of goodwill and not an admission of liability"! ffs). Left me to sort out an irate landlord etc. That was only one of many gleaming screw ups over the years. Having over the last 20 years had accounts with Barclays and HSBC I haven't moved accounts again as they all seem equally as shite.