I am a business undergraduate from Lowestoft in Suffolk. I also run a web design business.
Pleas...
I am a business undergraduate from Lowestoft in Suffolk. I also run a web design business.
Please click 'All About Me' for more info ;-)
Member since:08.01.2001
Reviews:162
Members who trust:51
I have banked with Lloyds for many years now and overall I am very pleased with their service.
I opened a 'Headway' account when I was 12 years old. I used it for my birthday and christmas money. I then got a young student account when I was 16 and then upgraded to a full account when I was 18.
Each customer has a personal account manager, that only change if they are promoted or move branches. I have had the same one for four years now, I prefer to have the same one because it's nice to know who they are if you need to approach them.
When I was 18, I was approached by my account manager and he ask if I would like to be upgraded to a full account. I agreed and did all the work for me and arranged everything.
Throughout my experience with Lloyds (now Lloyds TSB), I have never had any real problems. I have once got charged for being overdrawn when I wasn't, it only took one phone call for this to be put right. I also had a problem with an online retailer, who took more than £40 out of my account without permission. Lloyds took the problem on and did all the work to get the money back. They represented me the whole time.
Their online banking facility is the best I have used. I also have a Barclay's account, comparing the two I have to say Lloyds is by far the best. Their server is fast and the facilities are extensive. Not only can you see an up-to-the-minute balance, but you can arrange and manage direct debits, standing orders, payments and transfers all online.
My own problem with Lloyds TSB is the conditions of their Student Account. I am enrolled on an HND and plan to do a full BA (hons) degree immediately after. They say they cannot give me a student account as I am not enrolled on a full degree course! This is why I also have an account with Barclay's who have no problem with me being on an HND.
So if you aren't happy with your bank, and you are not a student, I would definetly advise you to see what Lloyds TSB have to offer. I am very happy with their service, avaiability and banking facilities.
How helpful would this review be to a person making a buying decision? Rating guidelines
Advantages: Pay bills without visiting the bank, online statements, transfer money between your accounts Disadvantages: Statements sometimes a few days behind
Advantages: Track account movements and transfer instantly between accounts. Apply for e-savngs account. Disadvantages: Access code device doesn't work overseas
Advantages: They will extend your overdraft without your prior knowledge or permission Disadvantages: That overdraft will then cost you darely should you ever fall into financial difficulties
Advantages: I can check my balance or whether a payment has gone out without leaving the house. I can also set up a full months bill payments in one go. Disadvantages: I still have to go to town to get money out - unfortunately I can't see a solution to this problem
di-buzz 20.07.2001 ·
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Ciao members have rated this review on average: helpful
Review of LloydsTSB
Advantages: A hard copy statement can be printed out. Disadvantages: No identification of who has been paid, or paid you, although this information is provided in the normal monthly statement sent by post.
Feb 24th, 2001
very helpful by (100%):
