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Member since:29.01.2003

Reviews:2

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Lloyds Bank - customer service and loans

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29.01.2003

Advantages:
Lloyds TSB generally give immediate decisions on requests for credit .  Their customer service in - store can be variable, although their city centre stores tend to be more efficient, with less queuing than in those of other branches .

Disadvantages:
They can be irresponsible when giving credit, and quick to chase it up when payments are missed .  They lack flexibility in their decisions, and their correspondence can come across as aggressive .  Their call centre staff can be less helpful than branch staf

Recommendable No:

Detailed rating:

Promptness of service

Efficiency of service

Competitiveness of charges/rates

Staff courtesyAverage

Online - Content/organization of siteNot Applicable

Online - Reliability/speed of siteNot Applicable

Online - Ease of applying for productsNot Applicable

Online - Investment trackingNot Applicable

4 Ciao members have rated this review on average: helpful See ratings
helpful by (100%):
  1. royray
  2. roberthart
  3. proxam
and 7 other members

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Aware that an unexpected cheque would be debited from my account, I phoned Lloyds to extend my overdraft by the £10 needed to cover it. This was authorised and I was assured that the extension to my overdraft would be immediately effective.

Over a week later I recived a letter stating I had been charged an overdraft excess fee of £20; the overdraft extension had not been actioned despite the bank's assurances.

I immediately phoned the bank, providing them information only the account holder could know. They gave me a stub number of a cheque used five weeks previously and asked me what it was for and the amount. As I did not have my cheque book on me and could not answer, the bank asked a second question, asking me to name the direct debits taken from my account. I named all five upon which the customer advisor said she could only accept the first one, but since I'd said Ikea instead of Ikea's financial sister company, Ikano, they refused to deal with my complaint and suggested I call them when I had the correct information.

I felt as if I was on quiz show! Such inflexibility was infuriating and patronising. I am currently still contesting this matter.
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Comments about this review »

royray 30.01.2003 03:43

I hate it when they get so self important,welcome to ciao,nice first op,enjoy it here,take care,pat.

roberthart 30.01.2003 01:40

hi, good first op and welcome to Ciao. You need to expand on your all round experience of the service to receive better ratings (rather than just one instance). Rob.

mike081179 29.01.2003 18:46

Good op. I am with these and no bank is really any good as all has their faults. - Mike

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This review of Lloyds TSB Loans has been rated:

"helpful" by (100%):

  1. royray
  2. roberthart
  3. proxam

and 7 other members

The overall rating of a review is different from a simple average of all individual ratings.



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