Please explain why they are "struggling for business".
Aldi advertises, Lidl advertises, Tesco advertises etc.etc.
I think that none of them is struggling for business.
I also bank with Santander and have never had any problems, but I, too, cannot stand these adverts and it annoys me when I think about the amount of money they must have been paid.
I remember reading a long time ago that back when Alan Davies did those adverts for Abbey National (remember them? taken over by Santander) that with all the repeat fees etc he made over £1m. So the mind boggles about Ant and Dec's fee.