Incompetent via every avenue of communication. I got on to hat again and they had put a credit in my account (what use is that, I have left!) but have now assured me it is being refunded to my account. I think I will contact bank though as so far they have not once done what they said they'd do!!
I didn't realise they had an official complaints procedure, their website is also so difficult to navigate around. Will look into this thank you.