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Hopefully the Santander person can take back this valuable insight as to how they are viewed within the intermediary market, however 20 years ago they were worse than they are now. The telephone BDM's have always been YES people and never ever help to a satisfactory outcome, so that would have to change along with a decent pick up time when we phone them. Where are their field BDM's ? They have been non existent for years and years and you dont even see a presence from Santander in any industry events which tells a story in itself.
