Worse service ever. We filled in all paperwork months before our mortgage was due to end and got an offer more than 1 month before the due date. Yet, their solicitors (Optima legal) did not act on time and we have already paid £240 excess in interest. They don't answer emails or phone calls and don't take responsibility for their delays. We were moving banks to pay less and we are actually paying more. This is being the worse experience we ever had with a bank. Our mortgage advisor has put a formal complaint against Optima Legal, yet they cannot care less as keep delaying the completion, even after acknowledging they have all the documents. Unprofessional and unethical making clients pay for not being able to do their work on time.