Lloyds TSB > Reviews > DO NOT LISTEN to this bank - they are full of crap

Author's product rating:   

Staff courtesy	Very Poor
Promptness of service	Very Poor
Efficiency of service	Very Poor
Competitiveness of charges/rates	Very Poor

Advantages:	none
Disadvantages:	everything

Recommend to potential buyers:

no

Full review

Lloyds, like all banks are driven by high fees and low service. I received a phone call from the bank to invite me to come and discuss further banking options - credit cards and mortgages. So I made time during the day (in work hours) to visit them, to only be made to wait over 25 minutes. When I was finally seen, the lady tried to blame me, saying that she tried to call my mobile to ask where I was (I was in the waiting area waiting to be served - go figure). She then started to berate me for breaking my overdraft limit by £2 - threatening me with over £66 in charges as a result. So I asked her why I had been called to the bank, she replied to apply for a credit card. But on closer inspection, my credit rating had obviously taken a hit due to their lovely charges for breaking my overderaft by £2. She then began to berate me for not keeping track of my finances (I had been overseas and the foreign exchange charges had taken me over my overdraft limit). She then berated me for actually using the overdraft limit on a monthly basis, saying that I shouldn't be using it. WHAT!?? They arrange an overdraft for you, and then penalise you for using it!? Idiots.

All in all, I would not recommend this bank to ANYONE. They are completely incompetant and rude. I have never been accused of poor financial mismanagement before this time, yet I was made out to feel like a criminal and an idiot for not "keeping track of my finances".