Automated transfers from other banks/pension etc. now up to date, however cheques to be deposited to account, and handed in to branch last week still not showing. Mind you, UB haven't taken last months mortgage out yet. Also noticed that regular saver account has not had interest accrued for the past 3 months!! Transfer to French bank via the manual form in the branch was effected immediately. I really don't understand the logic behind the sequencing and find it disturbing to see transactions on my credit card account one day and there they are, gone, the next. Don't have a clue how my credit card balance stands - so the mental torture of this is horrendous! Now, what was the Financial Ombudsman's name again?