It was worth writing a complaint about my missing interest. They have quite speedily replied, although they deny any wrongdoing, they claim I was mistaken about 8 percent interest (I am certain it was not as low as the 6 percent they paid) and that I was not penalised for only making
12 payments (the reason given by savings account staff) they have sent me 50 quid and apologised for branch staff incompetence.Mrcheerful