Rating Summary

Detailed rating

Promptness of service
Efficiency of service
Competitiveness of charges/rates

1-8 of 8 reviews Show most helpful reviews first Newest first

 

Community Level 5SparkyDeig...

SparkyDeighton

What they did to make me happy

AdvantagesFriendly efficient service, local call rates

Disadvantageslending the premium on top of the loan and charging interest

"...as helpful and quick as Lloyds TSB have been. That insurance policy is for more money. I have to praise them for their fast efficient and polite service. I was fortunate enough to be able to continue my payments, some may not be in that postion and I can only imagine the distress that this could cause. SparkyDeighton 2002 ..." Read review
19.04.2002

Ciao members have rated this review on average: very helpful

Community Level 1dono_jnr

dono_jnr

A guaranteed loan you cant actually have

AdvantagesSometimes Helpful

DisadvantagesThey offer services you cant actually have.

"...Horse Finance (an affiliate of Lloyds TSB) The information that was sent to me stated that being a valued existing loan customer that they would guarantee I could have a loan of £3,000 and at the time being in debt I thought what a good way to reduce how much I have to pay as the amount offered would have covered my debts and allowed me a little extra. So I telephone my local office of Black Horse Finance and confirmed that as a valued existing ..." Read review
13.10.2003

Ciao members have rated this review on average: helpful

Community Level 2Charliebuoy

Charliebuoy

DFS interest free Loan via Black Horse Ltd

AdvantagesWhy pay interest when you don't have to

DisadvantagesJunk mail will follow

"Some Years ago we decided we needed a new sofa, 2 to be precise. We shopped around & the best one we found was at Jessops (known as John Lewis). Unfortunately at the time our cash was tight & we could not afford £1000 up front. We happened upon DFS, you know the store on TV that always has a sale that must end on Sunday. Well they had some sofas that were returned unwanted by a previous customer & were on sale for £1000. We enquired about how ..." Read review
15.09.2003

Ciao members have rated this review on average: helpful

Community Level 1Chinner

Chinner

Lloyds Bank - customer service and loans

AdvantagesLloyds 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.

DisadvantagesThey 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

"...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 ..." Read review
29.01.2003

Ciao members have rated this review on average: helpful

More then willing to add to your financial burden

AdvantagesFine if you keep paying at their rates

DisadvantagesNot helpful at all, and more than willing to add to your financial burden!

"My husband and I took out a personal loan with the Black Horse two years ago, for ten thousand pounds for our caravan, we have paid without fail every month £118.00 This year in December my husband lost his job, we started getting into financial difficulty and I phoned to speak to them about our situation, as we were building our own house at the time, we had quite a lot of money in our account… but we were living in our caravan but we knew that ..." Read review
03.05.2009

Ciao members have rated this review on average: helpful

Community Level 2markedwards

markedwards

Don't borrow from these guys

Advantages

DisadvantagesMis-selling

"...out to graduate loans with Lloyds that on both occasions he been mis-sold sickness, unemployment and redundancy insurance. On each loan agreement it says "loan insurance (if eligible)". On both occasions he took out the insurance, he was by their own definitions not eligible for the vast majority of the insurance he had purchased. Furthermore, when he took out each loan he asked if he would be able to close them down and repay them at any time. ..." Read review
29.07.2000

Ciao members have rated this review on average: helpful

Community Level 1amyvts

amyvts

Lloyds Loan Account

AdvantagesNONE

DisadvantagesCRAP CRAP CRAP CUSTOMER SERVICE

"Lloyds Loan no joke i must have had this loan now for 7/8 years first time i did re-finance and that was helpful but they are still saying i owe on account now!! At 1 stage they were taking 2 payments from me a month and when i asked for it back was told it was there error but they didn't want to do anything about it. I have argue with them for so long i am fed up i now have 2 payments left on the loan and can't wait to close everything to do with ..." Read review
17.02.2010

Ciao members have rated this review on average: somewhat helpful

Community Level 0SHONDAY

SHONDAY

LOANS

AdvantagesDID NOT SEE ANY

DisadvantagesHIGH MONTHLY CHARGE

"LLOYDS ARE CHARGING CUSTOMERS TWICE THE INTEREST ON THEIR LOANS COMPARED TO SOME OTHER LENDERS FOR EXAMPLE : SANTANDAER ARE OFFERING 8.9% WHILE LLOYDS TSB ON THE SAME LOAN AMOUNT ARE CHARGING 19% LOAN AMOUNTS BASED ON £7500 THIS EXPERIENCE IS FROM THE BRACKNELL BRANCH IS SERVICE IS SO POOR & THE STAFF ARE SO LAZY & VERY UNPROFESSIONAL !! I HAVE BEEN A CUSTOMER OF THIS BANK FOR OVER 20 YEARS & THEY HAVE ONLY BEEN THEIR AS A BOX ..." Read review
01.11.2011

Ciao members have rated this review on average: not helpful



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