Had my credit card use refused twice in a public place... I have approx £100k with them in ISA's and savings account too!!!!! Then i had a mobile text from them saying my details had been changed on my account.. Which one, i have three and there was no phone no or contact details given. So i went into the local branch and there was nobody to speak to about it. So i lodged a complaint by email. I then had a complaint manager call and she refused to accept my concerns about contact options etc. There is no ordinary phone number issued for NW only a 0845 number and you need passwords etc to use that. SO i couldnt make phone contact . I found the whole saga a real pain and not what i call service at all.