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Coldseal, FENSA and the Financial Services Ombudsman would probably top my list for professional incompetence.
Direct Line were also a fantastic motor insurance company...until I had the audacity to make a claim. They seemed to work on the basis of the money, paid in premiums, as their own. Asking for some back proved troublesome.
Again, much of the time you're dealing with loads of different people, and there seems to be little consistency among them.
24 Seven (electricity suppliers) also suffer from a minimum wage staff problem. I'm only guessing that...but they really are low quality people on the whole. All saying different things, yet implying that the customer is the REAL idiot.
Come on...LET'S NAME 'EM ALL !!!