Halifax are great for it..... purely my own fault one year but went overdrawn on too many occasions for their liking and had a few charges here and there...... I sold my house in the October and paid in £13k........ in the November they "reviewed" my account and knocked my account down from a switch to a solo account.... no cheque book, no nothing....... even when I paid nearly double in to the account the following month due to an inheritence..... I still had to wait 6 months for them to "review" and reinstate my account.....

Banks are banks, and they're wank....