I was with LLoyds for 6 years, every time I went into the branch they offered to help save me some money, after eventually accepting the interview it turned out that they were only interested in selling me a silver upgrade account and various insurances. When I refused the lady got rather annoyed and started to go through my accounts to try and find reasons why I couldn't be trusted to look after my own finances....i'm being serious...when she couldn't find anything I had to promise to come back in when I had more time by agreeing a date. I let this one go but when I was late with one payment on my credit card (I was on holiday and first time I missed in 6 years) they decided to put my interest rate up. When I contacted LLoyds the lady was very arrogant with me. Apparently one of the reasons that drove them to this decision was that I also gamble and so I am a risk....I play the lottery online twice per week ! At this point I closed all my accounts. By the way, the in branch customer service is the slowest thing I ever experienced.
Be aware if your circumstances will change in future,because Lloyd's bank will close yours account straight away. You never know what can happen next day or next month. It's doesn't matter how long you are with the Lloyd's bank if they don't like your income or your circumstances or maybe your credit score rating goes down for any reason,Lloyd's will close your account and don't say you why...
I was travelling and there wasn't enough funds in one of my accounts to make the direct debits I have set up when I was away. My error, undoubtedly.
However, one would have thought that in the 21st century, an email or call may have been in order, but no, Lloyds sends out letters for each direct debit that hadn't been paid, oh and then charges you a fee and a daily penalty. Doesn't help when you are away for over a month !! But that's only part of the story.....
What has really irked me is that sure, this account didn't have enough funds, however, my other account with Lloyds, same branch, same name, opened on the same day, had over £70,000 sitting in it.
Wouldn't anyone with even half a brain think "hello, there's £70,000 sitting in this account, lets cover the direct debits (£300 in TOTAL!!!) by placing a temporary overdraft facility on the account" ? Obviously not.
This is pathetic and shows how even in the era of instantaneous communication, Lloyds just hasn't got it.
After contacting them and filing a complaint through the Financial Ombudsman, I spoke with Lloyds, but the lady I spoke to said that it wasn't Lloyds policy to call or email a client when this happens (why?) and don't see it as their responsibility to even check that a client has another account that could easily cover a temporary overdraft facility.
I have been a customer with LLoyds bank for over 3 years now, my account is paperless, hence i ordered for online statement which is suppose to take 5 working days according to what is said on the website, but it has been 6 working days and no statement has arrive. To add to this the customer service people does not know when it will be delivered, they just said that we have dispatched it and royal mail has not delivered it, but am i a customer of royal mail or lloyds??? I had a interview due for which i needed these documents and thanks to you guys that because of your unreasonable delay i have not been able to submit my required document. Is this how the customers are treated??? and Is this how such a well-known bank do not hold any responsibility for the delay???
Although sometimes they like blocking my card.Can't fault them cos is sucurity issue when system sees unusual transaction on your account,like one day i've withdrawed a large amount of cash and next day i couldn't pay by my card as it was blocked,apart of a bit of stress its all good,never have problem with customer suport or dealing with my local branch its all good.It my couse you a bit of a headache as when you travel abroad and finding yourself in a position where you cant use you card cos bank decided to block temporary your foreign transactions.Keep it up a good work. Well done Lloyds so far.
Business account address changes so called the call centre, they said I was to print a form off the website, complete, sign and post it in. Done. After 3 weeks STILL no change in address! I go into the branch. The very helpful assistant offered to assist as she could see on the system that the form was "in progress". She changed the details on the system and confirmed same. The change was obviously reversed or blocked. Card reader then packs up. I call the call centre they say order online and it will take 7-10 days for delivery. When you rely on internet banking you cannot even check your balance without a card reader. "Solution"...says the call centre - "you need to go into a branch to do any banking or find out your balance". Voila..more time wasting!
NOW 5 weeks later..no card reader and no address change!! Called the call centre again. Card reader was sent out to the old address. I go to the old address 30 minutes drive either way..no card reader! I call the call centre once again...they re-order a card reader and told me it will be delivered in 7-10 days AND I must complete a form off the internet, sign it and post it to them to change the address. I wonder where the card reader will go if they take over a MONTH to change a business address!!!
SHOCKING - pure incompetence and tax payers are paying for this level of service? This is 1st world banking from the loss making bank of the year (2011)? C'mon Lloyds what ever happened to normal business process and seeing a request through to completion?
You sit on our money, we don't owe you a cent but if we need anything it's got to be redone over and over and over again...this is not banking - this is plain pathetic. If you were my employee you would have been fired ages ago for incompetence!
like it says.. they are reliable and trustworthy. I have never had problems with security on their online website, which is the most important thing whilst online banking. the only reason why i have marked them down a star is because sometimes, temporarily, the online site will crash and wont let you into your online page. This has dissapointed me a few times as I have tried to check my balance at a very important time (ie when direct debits had come out and i needed to check my balance) and could not log in.apart from this very good!
The Lloyds TSB website is very cool looking and so easy to use. I would really like Lloyds to make an app for the Windows 7 phone, so I can do basic functions like balance checking and making payments / transfers using my phone.
The online banking service is fantastic and deserves a 5 star rating. Customer service staff are really nice but getting things done falls short hence the reason for only giving a 3 star rating. Had assurance that a DD that had left my account would be returned to me within 24 hours.... that was last Friday and I am still waiting for the money to appear, no notes on my account of me ever having been in touch with them either? It will be interesiting to see if they are going to heap charges on my account??? Not a happy bunny...............
I opened my first account with LloydsTSB as a naive teenager. I simply wanted a current account in which to pay my wages. Little did I know that the underhanded member of staff had signed me up for a select account that would cost me over £10 per month. Having realised this, I returned to the bank and asked him to change it. "Sorry, the computers are down, come back next week" he lied.
The following week, I returned: "Sorry, the computers are still down." It took me a month to change to a current account.
Some years later, I approached LloydsTSB about a student overdraft. The member of staff told me: "We don't do student overdrafts any more. Instead, we offer these interest-free student credit cards." It sounded just as good, so I signed up. "I'll just add the payment protection. It'll only cost you 1 penny per month," she lied. I accepted that too.
3 months later I received a bill for my credit card with huge interest and £15 additional charges for payment protection. I immediately complained, but was told "you misunderstood. It's only interest free on purchases for 3 months". I tried to cancel the payment protection and the staff simply refused to do it, giving me numbers to call instead.
Trying to sort any issue out over the phone is near impossible as they outsource their call centres and staff cannot understand or speak fluent English.
Having got into debt over my credit card (the bane of my life) LloydsTSB started harrassing me, calling me as early as 8am and as late as 10pm every single day, including Sundays. They disregarded everything I said and just continued to harrass me.
I also came to realise that they had make a big error with my Experian report, which prevented me from getting debt help. I tried several occasions to get them to fix this error, but the branch staff refused to help and the call centre staff didn't understand. Many of them lied to me saying "it will be fixed" or "we can't fix it, you have to do it yourself". In the end, I had to go via a solicitors in order to get this issue sorted.
As far as I'm concerned, this company is corrupt and sleazy, with the same moral code I would expect from drug dealers or snake oil salesmen.
I have a current account with them & I cant fault the customer service staff at the bank at all. I'd give them 5 stars if it werent for the fact that they pay the top dogs at Lloyds oversized bonuses & pay pathetic interest on there accounts to customers with good credit!