@Jonathon White - Re: Smile
Jonathan I think you will find the Britannia/Smile situation is the opposite of what you said. It is the Coop which has taken over Britannia.
The bottom of Britannia's web site contains the following.
Britannia is a trading name used by The Co-operative Bank p.l.c., part of The Co-operative Financial Services.
The Co-operative Bank p.l.c. Registered office: P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP. Registered in England and Wales No. 990937.
The Co-operative Bank is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Banking Code, is a member of the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110).
THIS SITE IS ONLY INTENDED FOR RESIDENTS OF THE UNITED KINGDOM
© 2009 The Co-operative Bank p.l.c. trading as Britannia