Lloyds on Lloyds

Advantages: Many branches, deposits easily made
Disadvantages: Sometimes the shear size cannot deal with individuals across depts

...Lloyds TSB, a fusion giant of the Lloyds Bank and the Trustee Savings Bank in 1995, becoming one of largest banks in the UK. Its head office now in London, Gresham Street. In Scotland it is known as Lloyds TSB Scotland. It also owns Cheltenham and Gloucester, Scottish Widows, and Black Horse. This is an example of a monster of a bank who are extremely good to you if you are paying the staff wages, but when you get into difficulties they seem to heavily crush you. Mind you it is not fair to say Lloyds are alone in this, all the financial institutions operate this way. But Lloyds in my experience are relatively good in some departments but poor in others. If there are no problems with your accounts then there is not really a problem. However, if you open many accounts with them, they have various departments dealing...

makro74 29.07.2008 · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB

Lloyds banking

Advantages: Easy way to keep track of finances
Disadvantages: Can be slow at times

...Lloyds TSB internet banking lets you manage your finances, apply for loans, credit cards, mortgages & pay off bills from home or anywhere with internet access. It seems very secure, you have a 9 digit username which is randomly given to you to prevent people guessing then you have a password which much be more than 6 digits & preferably a mix of letters & numbers. You then also have to enter your memorable information which very similar to a password therefore can be pretty much anything you want it to be as long as you can remember it! It can sometimes be irritating having to enter this infomation every single time not to mention time consuming if you're in a rush to check your account balance but it does make it that little bit more secure & give you the extra peace of mind that your finances are secure. Once you have...

Great_reviewer07 12.01.2009 · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB Online Banking

Lloyds TSB

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) · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB

Lloyds TSB

Advantages: Helpful bank, always try to help during financial difficulty.
Disadvantages: Try to sell you things you don't want, high bank charges.

...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, alot 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 ony 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 dont 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, Lloys have been a very good bank for me, yes they try to sell me things like car insuarnce...

stephbond89 30.05.2009 · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB

Lovely Old Lloyds!

Advantages: Cheap, Lovely Setting, Comfortable Surroundings, Good Food & Atmosphere!
Disadvantages: None that I can think of!

...Being a student (cheap, obviously hard working and out for those bargains!) I often find myself drawn to drinking establishments in true student fashion. Now as funds can be rather limited, especially as it draws nearer to the end of term, one has to go where one can sample cheap drinks and where better than Lloyds! I typically visit this particular Lloyds about once a week, sometimes for dinner but mostly just for pre-clubbing drinks! ~ Location ~ The Printworks is located in Manchester just a 5 minute walk from Victoria Train Station and about 10 minutes from Piccadilly, therefore occupying a central position in the heart of Manchester. The Printworks itself is Europe's first urban entertainment venue and comprises of 10 bars and restaurants (including Tiger Tiger, Lucid, Lloyds, Wagamama and Nandos), a 20-screen cinema...

Lucie_S1984 05.06.2005 · Read review
Ciao members have rated this review on average very helpful
Review of Lloyds (Printworks)

Lloyds TSB

Advantages: It has lots to offer and the computer thing that tells you on the spot if you can have something or not
Disadvantages: None

...I have been with Lioyds TSB for 4 years now and I have never had any trouble with them up till now. The members of staff are very helpful and understanding. They have a computer system which tells the staff what a customer can have so there is no uming and arhing if the computer says you can have a overdraft, debit card or personal loan then you can. That's what I like most about Lloyds TSB, as it saves me time and they can give me a decision on the spot. The computer is updated every month and keeps a record of the last 6 months, so if you have managed your account well for the last 6 months they will be able to offer you a wide variety of services. They offer a wide range of account's, I have choose to go for a "select account". The benefits for this account include free £50 overdraft, free AA membership, reduced interest...

Toady 23.08.2001 · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB

Banking with Lloyds TSB

Advantages: None
Disadvantages: Unethical, pushy sales, poor rates

...Lloyds TSB are becoming increasingly irritating with their in-branch pushy sales tactics. What used to be a five minute visit to the bank has now become 40 minutes as they try and sell you a mortgage, credit card, loan, insurance or an up grade to your account. If I do need to go into a Lloyds TSB branch, I mentally prepare myself before entering so that I am ready to speak assertively when the cashier asks ''There is something flashing up on your account. Do you have a few moments to speak to someone about this? It could be important.'' Don't be fooled. This means they want to take you into a room to try and sell you products and you will feel very awkward about coming out of the room, 40 minutes later, without agreeing to insurance/ credit card/ mortgage. I was also getting a phone call every day at home until I asked to come...

kitty08 29.10.2008 · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB

Lloyds Refuses Tranfers

Advantages: None
Disadvantages: Dis-honest, Dis-respectful, Delaying transfers for > 30 days

...Lloyds TSB received a written letter from me on October 8th 2008 to transfer 10000 GBP to another of my accounts. They agreed to this because they also changed my address at the same time and that went through. I have now called Lloyds TSB Customer Services >20 times. Almost every day from Oct 9th to November 4th. They give continuously new excuses for not transferring the funds. Every time they go through 5-6 security questions - as if hoping that if I fail one of them - they have an excuse not to serve me. (the normal is to ask 3 security questions, not 5 or 6) They promsed to call me back 10 times - never did ! They promised the transfer would happen the same evening 5 times - and it never did. They opened 3 urgent tickets internally for this - all saying please call me back - and noone did !!! I asked if this was...

DisappointedLloydsCustomer 04.11.2008 · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB

Lloyds - Terrible Student Banking

Advantages: none
Disadvantages: very poor and complicated service

...Money, money, money, must be funny in a rich man's world. However, if you are very poor and have just graduated, it is more akin to depression rather than hilarity. In my infinite wisdom 12 years ago, I wanted to choose a bank that had a nice colour scheme and tropical fish in its branch, rather than going for the best long-term investment interest rate (I was 8 at the time). So, I chose Lloyds, gradually saving up my pennies, and getting excited when the monthly statement used to arrive (Mum, look! I've got post!!!). Now I dread the drop of the shiny white envelope on my mat... What follows is a personal (and, ahem, very moving) account of my recent woe with Lloyds TSB. If you are about to become a student, or are thinking of changing to this account, read this closely. It may save you a lot of hassle... For a number...

stoffy 29.08.2001 · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB Accounts

You can do much better than Lloyds

Advantages: Excellent value for overpaid internet junkies who don't have £5,000
Disadvantages: Far too many escape clauses. Try elsewhere!

...Lloyds TSB have, for a long time, been guilty of paying peanuts to their most loyal customers. 0.1% interest on current accounts. Clearly one of the biggest rip offs in banking. They are not alone. Barclays, RBS, Nat West, HSBC, Yorkshire are all guilty of the same. So it was, with some surprise, refreshing to read that from 10th February 2003 they will be paying an exceptionally good 3.2% on their current accounts! So, time for a little delving. Although I am very happy with my Halifax Current Account (3.04% interest in credit, 8.9% charged on overdrafts), it is always worth looking for a better deal. After all, banks make billions from their customers? apathy. So, mixing a phone call, a website visit and some press clippings, I did some fact finding. It was, in truth, quite depressing. Firstly, to qualify...

daveops 02.02.2003 (24.04.2003) · Read review
Ciao members have rated this review on average helpful
Review of Lloyds TSB