Lloyds Tsb - 4000 Reasons Not To Deal With Lloyds Tsb

hideyho

Useful audio clip

http://www.youtube.com/watch?v=8-BXnSQtLUU

somnerd13

I hate Lloyds TSB and I don't even bank with them! In my village we have a Lloyds TSB and a HSBC. My fiancee banks with Lloyds, I bank with HSBC.

When we go into Lloyds, you can be guaranteed that they will try and get her to take out a credit card, every single time, no matter whether she sees a cashier or customer services. Most of the staff look at you like you're a piece of s*** and they all have such false attitudes towards you. This is every branch we've been to as well. The only time they have ever been nice towards us was when she went to invest a large amount of money in an OEIC and stocks and shares ISA! They offered us a coffee..

Now I bank with HSBC and only once in the past 3 years of being over 18 have I been offered a credit card by them. They are always very polite and whenever I have gone to customer services they are always very chatty and seem like genuinely nice people.

Now I know that this isn't the same for every Lloyds and every HSBC, but it just seems like the two banks have very different ideas of how to treat customers.

all_change

somnerd13 wrote: »

I hate Lloyds TSB...When we go into Lloyds, you can be guaranteed that they will try and get her to take out a credit card, every single time, no matter whether she sees a cashier or customer services. Most of the staff look at you like you're a piece of s*** and they all have such false attitudes towards you.

Just a tip - you can ask for marketing "markers" to be removed from your account, so that they don't try to sell you anything over the counter.

I was fed up with NatWest over this, and put in a simple request at the customer services desk not to be marketed. They agreed, but this request gets automatically raised by NatWest as a formal complaint (in every case!!). Rather ironic, given that they are so ineffective at dealing with real complaints!

HTH

Paul_Herring

hideyho wrote: »

Useful audio clip[/URL]

Even more useful would have been a transcript which I'm sure I could get through in a lot less time than the 10 minutes than that 'clip' took. From the first minute or so that I did bother listening to, I get the impression that the text to the right isn't the same as the clip, but I'd like to address that text:

[...]mis-selling of Payment Protection Insurance (PPI) [...]overdraft charges rip-off, [...] unauthorised closure of accounts of customers who have put in claims for bank charges refunds..

And Lloyds is different to most of the other banks how in these respects?

continued arrogance is refusing to justify, explain or even acknowledge past mistakes, and the way they treat their customers' private details.

Again, a description that could be applied to most banks in some situations.

Basically sounds like your bog-standard rant by an unlucky customer who seems to have drawn a short straw somewhere along the line.

No - it shouldn't happen, but it does. And I'm sure LTSB aren't the only bank that has the occasional majorly dissatisfied customer.

hideyho

I tried the transcript route before (I was reading off it for the clip), but that didn't work - too long. Tried pasting it into that Youtube clip as well, but that didn't work either. So, the recording was the only way I could think of to get the message across. I'm not the best speechmaker in the world, I'll admit.Yes, the story is pretty hard to follow, but that’s the whole point. Trying to condense down everything that’s happened – even when talking at high speed – doesn’t even come close. I’d need about half a day to do that!I’m just saying that my case is so far gone, that even Lloyds TSB doesn’t seem to know what’s happened or what to do next. That can be blamed on the fact that repeated information requests went ignored, resulting in the convoluted mess that it’s in now.From what I’ve heard about other banks (as far as bank charges goes, I’ve seen first-hand how badly Barclays customers get treated), I don't doubt that they are all the same. But I had to focus on Lloyds in particular due to the personal experience I’ve had with them.Also, the main focal points in the clip aren’t really the bank charges or PPI aspects – even though both apply in my case. They’ve been pretty well publicised as is.What really angered me in particular - in my surreal dealings with Lloyds - is the overall contempt for the customer, the with-holding of information that should be freely accessible and the games they try to play when they see that customer as an inconvenience.Essntially, if people have to have a bank account, then my personal advice is don't get one with them.

hideyho

I tried the transcript route before (I was reading off it for the clip), but that didn't work - too long. Tried pasting it into that Youtube clip as well, but that didn't work either. So, the recording was the only way I could think of to get the message across. I'm not the best speechmaker in the world, I'll admit.Yes, the story is pretty hard to follow, but that’s the whole point. Trying to condense down everything that’s happened – even when talking at high speed – doesn’t even come close. I’d need about half a day to do that!I’m just saying that my case is so far gone, that even Lloyds TSB doesn’t seem to know what’s happened or what to do next. That can be blamed on the fact that repeated information requests went ignored, resulting in the convoluted mess that it’s in now.From what I’ve heard about other banks (as far as bank charges goes, I’ve seen first-hand how badly Barclays customers get treated), I don't doubt that they are all the same. But I had to focus on Lloyds in particular due to the personal experience I’ve had with them.Also, the main focal points in the clip aren’t really the bank charges or PPI aspects – even though both apply in my case. They’ve been pretty well publicised as is.What really angered me in particular - in my surreal dealings with Lloyds - is the overall contempt for the customer, the with-holding of information that should be freely accessible and the games they try to play when they see that customer as an inconvenience.Essentially, if people have to have a bank account, then my personal advice is don't get one with them.

hideyho

Damn. Forgot about the paragraph tabs...

MABLE

I've been with Lloyds for over 25 years and have always found them brilliant.

You will always get the wingers and this is no exception.

Always has to be someone elses fault and of course never the customer.

dunstonh

I find Lloyds excellent and thats 20 years of use.

Geoffo_M

Same with me - no probs in over 30 years. Sometimes the constant "I see you're due a review" gets a bit tiresome, but they're in business to make money, so I just smile and say "No thanks"

hustle90

I've never had a problem. I've been with Barclays, HSBC, Natwest and A&L and find Lloyds to be the best.