THis is why I love First Direct![]()
and Lloyds TSB and Halifax. FD and Halifax's main customer service call centres run 24 hours a day and all three can be phoned using geographic numbers.

My Egg credit card got transferred to Barclaycard and they use indian call centres.
I haven't had to call more than a few times but I always prefer speaking to someone from the UK. 
.
). Sure some back office stuff may be done abroad but I much prefer speaking to a UK based person.