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