May not necessarily be incompetance. Have you ever looked in the gas and electricity cupboards?
Nothing is labelled clearly, and trying to work out who's meter is whose is a nightmare.
Our friends electricity got cut off a while back and it was actually easy to see why they'd pulled the wrong fuse as it looked as though their meter went to apartment D when it in fact belonged to apt A - and vice versa.
At least Iberdrola made an attempt at labelling the meters, but in our block the gas meters aren't even labelled!
Also, were you originally with Banco de Valencia and get transferred to La Caixa?
I know that some DD's have bounced recently for community fees - as they have with the transfer from Lloyds to Sabadell.