Consumer

A: Terribly Sloppy Bank.

And this is my view after just four months!  My gripes are generally about their paperwork and attention to detail.  

Incident 1

The Chip and PIN card that doesn't require a PIN to shop with:

Yep, that's right "You don't need a PIN to pay for shopping, however you'll need one to withdraw money from a cash machine." Only, you need the PIN to use the card at retailers, when you're shopping. Hmmm.  

A question to which my personal answer would be no.  In fact, the Lumia 1020 is the most unreliable Nokia phone I've ever bought.  

I'm now on my second handset; within a week of purchasing the first, it began to reboot randomly, sometimes up to 15 times a day.  If it didn't reboot it froze which needed a soft-reset (volume down and lock button together) to kick it back into life, and after one morning of reboot after reboot I had it changed at the local dealer.