Is anyone caught up in TSB's IT "upgrade" problems? You'd have thought that by now there would have been enough learnt from the IT disasters other banks have had for TSB to have got it right, or at least to have set aside enough time to be able to work through any problems instead of telling everyone they'd be up and running again by Sunday evening after just a weekend shutdown. But not only have they disastrously failed to deliver, and apparently mixed up some customer information, but their Spanish chief executive chose to trumpet their success in a PR release (whilst their British staff duly hid away). Meanwhile, who speaks for the customers? Apparently only Labour MP Nicky Morgan of the Treasury Select Committee, with the official regulators having very little to say for themselves.