Quick note here but I thought it worth commenting about a good example of pro-active service I have just experienced. My personal bank account is with First Direct (that would help with those data protection security questions!) who have call centres in Leeds and somewhere in Scotland (sorry, I don't know where specifically). I just received a text from First Direct apologising if there is a delay if I try ringing them because their staff in Scotland have not managed to get to work safely due to the weather and road conditions.
OK, they are actually saying that the service may be poor, but by forewarning me and giving a reason for it I actually feel good about them, whether or not I need to use their service tonight.