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Play fair Gazza ! I have no argument with your complaints about Santander and I will go to my grave believing that (at least up until now) their whole system in recent years is set up to compete with us, particularly at point of PT.
However, I don't we should be attacking AJ - he/she has been given a job apparently to help confirm and address these issues and is acting in good faith (good on him/her for having the balls to accept this) and I certainly don't think he/she is doing anything wrong in accepting the task (I wouldn't want it) and giving it a go.
If he/she succeeds, even if only in part, then good - if they don't we haven't lost anything.