Ed Miliband - Very well said.

[9goals2hattricks3pen]

I heard yesterday that the Banks have only given 2% of the loans available to businesses. I heard this on the news just before that Lloyds Bank advert came on telling us that they're with us every step of the way in these difficult times.

BBC News interviewed a bloke who owned a manufacturing lab who said he could make testing kits to the required standard to a very high volume. When asked why he wasn't he said that he had been refused a loan by his bank as he would manufacture these kits at low margin and didn't want to be seen to profit excessively from the current crisis and was therefore taking a benevolent view. So, BBC News concluded the country was missing out on thousands of these kits due to the bank even in these circumstances refusing a loan.

I hate dealing with any financial institution with a passion. The people on 'the front line' have no idea of what true customer service is and this is because of the culture filtered down from the very top.

So badly trained are they they don't have any apprehension of just what a rubbish job they are doing. If only they would spend a fraction of their tele ad budget on some quality customer service training. Even their job titles are silly. I asked for some help from one of them yesterday and the email came back from

P12345 | Case Owner | Account Servicing Telephony Team 2

I've changed the number to protect the innocent but the person no more 'owned my case' than next door's dog. Grrrr!