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.
ps. I notice they have several different accounts on trustpilot, possibly to filter their ratings.
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