I use the bank all the time as i believe face to face contact is important rather than a call centre with staff who have little or no banking knowledge
Totally agree. I find my dealings with my UK bank (Lloyds) frustrating, as it seems quite hard to actually speak to a grown-up.
By contrast, I'm very happy with my French bank (LCL). Their local small business unit is excellent and very helpful, and when I want to talk to my bank manager, it's very easy to get in and see her.
