Not OP but also from the UK. Whilst a 10 minute hold time isn't too unusual for large companies, especially if you call at a busy time like midday when everyone takes a lunch break, anything over 20 minutes would certainly warrant complaining about to anyone unfortunate enough to ask how your day is going.
A big selling point for companies for a while was quick answering of calls. My bank has genuinely answered faster than 999 (our 911 equivalent) on occasion. Although during COVID hold times have gone up dramatically for some reason.
When I had an account with Beer52 I them and said, effectively, "This is my notice to cancel and the main motivation to cancel is because of anti-consumer behaviour like having to call to cancel. I do not authorise any further payments and any payments you do take will be subject to a dispute with my credit card company".
To their credit they did send me a reply saying my account had been cancelled and I never spoke to anyone on the phone.
This is ridiculous. In the UK it is accepted that all students get their own room, although they usually share facilities like bathrooms and kitchens etc. And they all have windows.
It is very different having a two week cruise, or working 9-5 in an office, but to have a windowless room as your only private space for 3 years+ is unhealthy and unfair on a segment of the community who get very little say in their living arrangements in any case.
This is a 98 year old man who thinks he is special because he is rich, and therefore everything he turns his hand to will be the best and damn those who disagree.
Considering it has been reported that over half of potential customers will abandon a purchase if a page takes over 3 seconds to load, failing to load at all suggests you'll likely get similar - if not higher - losses
I'm not going to argue with most of that list but Vietnam is absolutely a growing tourist destination, with over 18 million international visitors in 2019[1] and nearly beating India in 2018[2].
It is particularly popular with Chinese visitors lately but also historically with the "Gap Year" backpackers from Europe who travel around Asia.
Incidentally it is a beautiful and incredibly friendly country and I highly recommend it.
My understanding from working in a bank in the UK is that it is the shop's discretion to use signature instead of PIN with Chip & Pin however the bank does not refund/guarantee fraudulant signature transactions like it would a PIN code.
Contact the FCA in any case, I used to work for a bank and believe they charge the organisation per complaint whether upheld or not so can cost them time and money.
I've also sent customer services an email demanding an explanation and the closure of my account and deletion of personal data if true and sent an email to the ICO.
In reality I don't hold out much hope but fingers crossed we can get some pressure behind this and force companies to take security seriously, especially when the vulnerability is responsibly reported as this seems to have been originally.
I don't know if you saw Bank of Dave [1] but it showed how difficult it is to start a new bank in the UK, even if you are going to be run responsibly and in a small way.
I find it difficult to imagine someone new entering this market place, other than "people" like Virgin and Tesco with deep pockets to back them.
A big selling point for companies for a while was quick answering of calls. My bank has genuinely answered faster than 999 (our 911 equivalent) on occasion. Although during COVID hold times have gone up dramatically for some reason.