Advantages: Generally good service, helpful! Disadvantages: High charges!
Lloyds TSB
I have been with Lloyds TSB literally all my life, they've always seemed to be a good bank to me, they won't lend me money as it is as I've never had credit and have been a student and never had a full time job, which is good, a lot of banks don't care and will give money out to anyone regardless of whether they can pay it back or not, but I've never had this with Lloyds, the only thing with them is the charges they put on your account for an unplanned overdraft, but these unplanned overdrafts I take with Lloyds really are a godsend when my wages are short by 50 pound one month and my phone bill needs paying so I don?t mind a £25 charge for a £100 unplanned overdraft, it s when you go overdrawn by 4p that the charge is annoying!!!
Other than this, Lloyds have been a very good bank for me, yes they try to sell me ...
stephbond89 16.11.2009 (17.11.2009)
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Ciao members have rated this review on average: helpful Review of Lloyds TSB
Advantages: trouble free investments Disadvantages: not managed by company
Introduction:
I have been a customer of Windsor Life for about 15 years so I thought it might be useful for me to share my experiences with you. I took out a private pension and a long term Additional Wealth Plan with them shortly after buying my home.
A little background on Windsor Life:
Windsor Life Assurance was purchased in 2004 by Swiss Re Group, which has been a well known insurer to other insurance companies since 1860. Its headquarters in the UK are in Telford and has managed more than 75 million in funds under management. It specialises in investments be they lump sum, regular savings, life insurance or pensions. When I took out my policies it was with General Portfolio, however they then changed name to GAN and then were taken over or sold to Windsor Life.
My good experiences with the company:
I have been ...
Advantages: very easy access Disadvantages: not cheap
The lloyds / TSB telephone share shop is very easy to join and even easier to access. Once registered your are able to trade via phone immediately , all transactions are qualified within 48 hrs with a transaction confirmation and settlement of transaction is usually approx 5-10 days. All transactions are via a pre-nominated bank account and when contacting a password is required and then a personal question to confirm you are the correct user. The staff are very helpfull with an understanding of the small investors needs. The only critism is the charges , each transaction is £25 which when dealing in low investments can make a considerable difference. ...
