banks are useless, a guy I worked with had an absolulte nightmare when he moved house. the bank sent all his mortgage (including all his personal details for the mortgage application etc, really sensitive highly confidential financial, history etc details) to the next door neighbours house and, to add insult to injury, sent the stuff, apologising and telling him it had been corrected etc, to the same address
luckily his neighbours were decent and realised the error before anythig was opened but .....