Out of sheer anger and frustration at their stupidity we closed the account and reinvested elsewhere, at a slightly better rate actually, so I guess we broke the rules of a 1 year bond and shot ourselves in the foot.
We thank you for your time and advice but perhaps will put the matter down to experience.
Barbara & Peter
Very sensible to switch; as a matter of course I detest banks and building societies. I have in my life changed main banks three times from Natwest (I actually started with the Westminster bank) who were incompetent, to Midland who were good, became sloppy, but picked up once the Honks and Shankers took over, but then they went downhill so I switched again to RBS. In my local branch and in the one in the next town I am addressed by name, which is nice.
Thank you for your support.