Pep

We opened a Pep account approximately 3 weeks ago, giving all the necessary documentation. They scanned the bank statements twice, and still the system says they need bank statements. I had to take out a funeral policy before anything could happen, paid for it, and still no response on the account. Is this Peps way of making money out of people? Making them take out, and pay for a policy, but taking their time with the account? Also, the people doing the accounts were so rude, singing and dancing loudly in my ear, while "assisting" me!