I opened an account with Williams and Glyns in 1981, and they were excellent; after a while it transformed into The Royal Bank of Scotland before truncating itself into RBS, with the emphasis on the last two letters. Even after [Sir Fred's] Mr Goodwin's departure the branch network was still solid and, from a user's point of view, the online services were good.
Then I heard that RBS England was going to be passed over to Santander and alarm bells rang good 'n' proper - they'd done me over years before when they took over/rebranded Abbey [National].
I moved (hence the coat icon) over to Co-op - on the basis that they seemed the least worst and owned, at least notionally, by its customers - and completed the transfer of D/Ds, S/Os, funds and notified anyone paying in last month. Just in time, it seems. Now maintaining the accounts with zero balances just to piss off RBS/Santander, though must keep an eye on sneaky account charges being introduced.
In all my dealings with the phone banking staff over the years I unfailingly received good, polite, friendly service and it saddens me to leave. Good luck guys.
And I work for an organisation that itself is still worshipping the false god of outsourcing, so my sympathies go out to all those former RBS IT staff who have been dumped.
PS, Listening to an RBS Spokeswoman, Susan Allen, on the PM programme. Apparently this failure wasn't expected. That''s OK then...