I have been with Lloyds for over five years now and cannot say that I had any serious problems until I wanted to do online banking.
I also have a Barclays account which I have been "online banking" with and one day just popped into my Lloyds branch to see when they were going to go online.
Surprisingly they had already set up the service just missed out on telling any of their existing customers about it or advertise it at all. In fact the lovely assistant did not even know their web address and neither did her the rest of the staff.
However, as it is not really that difficult to find out and found it and signed up for it online. Silly me did not realize that I had to fill out two forms which would be sent to me by post over the next two weeks and which I would then have to take into the bank to get a witness to see me sign them. What a lot of hussle for nothing.
Their internet site is also closed for about 6 hours at night, which is when would be most convenient for me to use.
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