My mother's family banked with the British Linen Bank in Annan. They even lived in Bank Street! Ever since moving away in the 1940's my mother always kept a small balance in "her" bank and didn't mind too much when it became part of the Bank of Scotland. Out of the blue she received a letter "thanking her for choosing to bank with the Halifax". She hadn't, nor had any of the other Bank of Scotland customers whose accounts were unilaterally transferred after the "merger". My mother is now unable to communicate with the Annan branch - that's no longer allowed.
My wife and I both opened ISA accounts with the Bank of Scotland - it offered the best rates at the time and we liked the Scottish connection. These accounts were also unilaterally transferred to the Halifax after the "merger". Last night my wife phoned the bank to transfer a sum from her ISA account to her current account, which is with the Clydesdale Bank. First she had to "re-register" her account with a new security code and was then told that she could only make a telephonic transfer from her ISA account to a current account with the Halifax/Bank of Scotland and not to an outside bank. She would have to go into town, withdraw cash from HBoS and deposit it into her own bank! These were the new rules that now applied to ISA accounts according to the phone operator. We cursed Gordon Brown. After the call we had a look at my wife's ISA statement and saw that she had indeed made a similar telephonic transfer to the Clydesdale not too long ago. This morning she phoned HBoS again and was asked to "re-register her account with a new security code" although she had done that last night! Today's operator confirmed the new rules: they're nothing to do with Mr Brown but are the result of the bank "integration". She also said that we could change our accounts from "branch-based" to "telephone-based" ones, and that would enable us to transfer funds to another organisation by telephone in future. This would take ten days to organise! But our accounts weren't opened at any particular branch - the forms were sent by post from the Bank of Scotland's head office. We never chose to have "branch-based" accounts. We were also told that the telephone account would pay an extra 1% interest. Why weren't we told of this option before? All-in-all this "merger" has been an unmitigated disaster and looks like destroying one of Scotland's oldest and proudest businesses. It's such a shame.