I'm their former global head of compliance and I've lodged a formal complaint against them and am considering suing them. That should tell you enough. My experienced banker and investment adviser both quit no doubt they hated it, my "new" banker never bothered to meet me, nobody looked over my portfolio after I sold two properties and had significant excess cash, and they gave me little advice and what advice they did give was inaccurate with no explanation of risks or the downside. So far as I can tell they replaced experienced people with junior staff with no clue.