I have an IT problem with my account that all of the four advisers that I have spoken to so far are unable to address. There appears to be no delegated IT support whatsoever. I have had some frankly amazing conversations with people who are obviously way out of their depth and who have not only received no training but have no backup. Even Chat does not function, although if it did it would no doubt be as useless as the rest of the company. Their overall rating here says it all and they obviously care nothing about it - or their customers.