IF only they could run a bank...

IF's online banking service has been flakey for weeks, repeated 'system errors' when trying to make payments and transfers, randomly getting kicked out and having to log in again, it never used to be that way.

The problem with IF is that they've lost their competitive advantage - every bank and his dog now offers a half-competent online banking system, and without that they're just another rip-off arm of the Halifax with uncompetitive rates and poor customer service...