Why pay private bank charges for lousy service?!

ALl of a sudden, I cannot transfer funds from my accecss account.<br> <br> So I phone my 'private banker' who is supposed to sort these things out.<br> <br> \sorry\" they say \"we can't help with home loans. But we will call them and press the correct option number\".<br> <br> So now, I sit hanging on (long after the 5 minutes they promise is the waiting period) listening to call centre music.<br> <br> So why do I pay a private banking charge?"