Abbey national is now known as just Abbey and is part of the Sander group. I used to love Abbey as it used to offer great advice and you could basically get everything money related in one place. In fact the mortgage we got with them is second to none its great and we got it fixed for 10 years so we dont have to worry about the current financial situation as much. BUT and its a big but the telephone banking is nothing but a big joke, they all seem extremely rude when you have to talk to them and very unwilling to be of any assistance plus it seems that the Abbey telephone banking has been moved abroad and I have a real issue with being able to understand the person on the other end of the phone and vice versa. I have also found them very unflexible when it comes to fines, they seem to manage to get you trapped with getting fines each month as they refuse to change the date the fine will come out to when you will have money and tend to take it out the day before so you get more fines the next month.