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Lloyds TSB |
Another historic UK bank, Lloyds' origins date back to 1765 as a private bank in Birmingham. It is another of the Big 5 UK banks, and merged with TSB in 1995.
Lloyds TSB offers a full range of retail services, including savings and loans, general insurance, current accounts and credit cards. Lloyds TSB also owns the Cheltenham and Gloucester which specialises in mortgages for them. There is a business banking and corporate finance suite as well as wealth management and private banking.
Lloyds TSB offer several different reward current accounts with lots of benefits.
Silver & Gold - for £7.95 and £12/month you will recieve AA accident management and roadside assistance, travel insurance, mobile phone insurance and more.
Platinum - for £17/month you will receive all the above including, homestart and relay breakdown cover and airmiles.
Premier - for £25/month you receive all of the above as well as stay mobile breakdown cover, and home emergency cover.
Visit Lloyds TSB for a quote.
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Lloyds new web site from what I can gather seems to have turned over the design of their bank statements to the ancient but capable hands of the Mayans, as they seem to be the only culture that read from bottom to top. Imagine if Diaries, TV Guides, Planners etc. started with the last date or entry.
The bank also urges everyone to save paper, but the new statements if printed out from the new site now use at least six times more paper than the old site.
The bank also urges everyone to save paper, but the new statements if printed out from the new site now use at least six times more paper than the old site.
| Posted by Chris Russell on the 27th July 2010 |  |
The new online banking layout is terrible. It worked fine before.
| Posted by Kate on the 27th July 2010 | |
This is a perfect example of a business that thinks it is bigger than its customers. Is there anyone who was consulted before this atrocious website was launched. At least let us know who designed this rubbish so other businesses can avoid them like the plague.
| Posted by Bob Woodman on the 26th July 2010 | |
New Internet Banking system is just awful. Why on earth change something that worked perfectly well and what can possibly be the reason for the statements reading bottom to top? What a mess! It is just so amateur.
| Posted by M MMc on the 26th July 2010 | |
Lloyds TSB new revised website is a complete disaster. As a loyal customer who has banked with Lloyds for over 36 years I am very disappointed with the standard of service we now receive.
Local branch staff are always friendly and try their best but areas such as online banking are deteriorating rapidly.
Why change the whole layout of online statements and reversing the order of transactions has been a nightmare for me as I used to regularly import data from their website directly into spreadsheets. This can still be done but apart from reversing the order of transaction entries they've also changed the order of columns. Inconsistencies cause big problems and can generate many errors.
Bring back the old website which was perfectly alright, i.e. if it ain't broke, don't fix it!
Local branch staff are always friendly and try their best but areas such as online banking are deteriorating rapidly.
Why change the whole layout of online statements and reversing the order of transactions has been a nightmare for me as I used to regularly import data from their website directly into spreadsheets. This can still be done but apart from reversing the order of transaction entries they've also changed the order of columns. Inconsistencies cause big problems and can generate many errors.
Bring back the old website which was perfectly alright, i.e. if it ain't broke, don't fix it!
| Posted by Michael Ryan on the 25th July 2010 |  |
I detest the new site. Having previously had no problems I am now unable to download statements into Microsoft Money. Support desk was useless and blamed my software which worked perfectly well before they changed the website. If it weren't for the Airmiles, I'd be off elsewhere........
| Posted by MJO on the 25th July 2010 | |
New LTSB Online banking. Why are my statements upside down with the bottom line balance at the top? Where can I leave my feedback on line and why can't I contact them by email? Perhaps the previous government had 43% input in setting this up.
| Posted by Jennifer on the 25th July 2010 | |
I've used Lloyds Internet Banking for some years and have been a customer for 28 years. The reverse statements are an absolutely dreadful. I've tried to find a way of complaining via their website but, funny old thing, no obvious way in. I cannot follow the damn statement layout and to compound their sins, whilst Lloyds nag me to go paperless, the new statements take 3 sheets of paper to print what used to take one! Was this put together by some work experience idiot? Thinking of changing banks.
| Posted by Ed Moxon on the 23rd July 2010 | |
New bank screen - awful looks like it's been put together by a 5 year old. The old system was fine - this is all over the place - I use internet banking all the time can't use this eyesore - change of banks I think - spending money to change something in the current environmental climate that worked fine only to cock it up - probably sums banking up in a nutshell.
| Posted by Richard Atkinson on the 23rd July 2010 | |
The new Lloyds internet banking website is a disaster as far as my wife and I are concerned. We just cannot get used to the fact that statement movements go from bottom to top. We used to like logging on to the website to feel comfortable that we weren't overdrawn etc. Now when we log on the look of the statements are confusing and we feel stressed rather than comfortable as its difficult to see the wood from the trees. We are now thinking of moving all our banking to First Direct where we already have an account and where the format is much better.
| Posted by JD on the 23rd July 2010 | |
I don't understand how anybody could think that the new Make a Payment facility is an improvement. The old website gave you a nicely laid out, clear and easily readable list of payees. The new website gives you a cluttered, drop-down list that is really hard to read. Thankfully Business Banking is still on the old format, but for how much longer...
| Posted by Y I Mann on the 23rd July 2010 | |
Have to really disagree with other posters. I love the new LTSB site. It's about time a bank got up to date online and stopped being so 1990's. The statement shows the most recent transactions first, big deal. Yes the information has moved about but it's all still there and easy to see. It's not confusing at all if you actually take 30 seconds to just look and read the information. You have to scroll down a web page? Oh well you might as well close your account eh? What a hardship to roll your finger over a mouse button, come on man! Some people just can't deal with change.
| Posted by John Smith on the 22nd July 2010 |  |
Why oh why oh why oh why would you mess up something that worked so well.
Old Internet banking was fab. New one is a disaster. Why would I want my internet banking to look like a facebook account....
And financial statements should always read top down. What idiot thought it would be a good idea to put them the wrong way up?
Old Internet banking was fab. New one is a disaster. Why would I want my internet banking to look like a facebook account....
And financial statements should always read top down. What idiot thought it would be a good idea to put them the wrong way up?
| Posted by Mr Hale on the 22nd July 2010 | |
Re the revamped internet banking website - I've not got as far as the upside-down statements yet but I have just been wrestling with the bill payment new-look. The drop down list of recipients is missing the descriptive 'reference' field which you can add when you set up the entry so as to make a list of sort code and account code symbols mean something. It also seems to lack any option to delete an entry in the list. Both severe downgrades on what was available before.
| Posted by Dick Leigh on the 22nd July 2010 | |
Really disappointed with the new statement format. I import it into my software and the debit and credit columns have switched places, the balance column seems to be randomly populated and it's in reverse date order. They say it was in response to customer feedback. That's funny I don't remember them asking me for my opinion!
| Posted by Euan Me on the 19th July 2010 | |
Lloyds new website is a step backwards - whoever thought that this was an improvement needs to clear their desk and head for the jobcentre. Backwards statements!!!! Who in their right mind reads their statement from bottom to top!!
I have 5 different accounts and to check them all I now need to scroll down to see each one, rather than the old site where I could see them all on one screen. No I don't want comments that I'm eligible for a loan beneath each account. Bring back the old site!!!!
I have 5 different accounts and to check them all I now need to scroll down to see each one, rather than the old site where I could see them all on one screen. No I don't want comments that I'm eligible for a loan beneath each account. Bring back the old site!!!!
| Posted by Dai on the 17th July 2010 |  |
I have to agree with others in the reversed layout of their online statements is appalling, and must be designed to confuse customers and make them make expensive mistakes on their accounts.
The reversed statements is an absolute no brainer and is making me feel quite ill.
This is a Copy of an email I sent to TSB, 3 days ago and have not had a response, looks like it’s a change of bank for me too.
“I have to say that I am utterly discussed with the new layout of the internet banking, and am extremely annoyed at the reversed layout of the statements. I will begin immediacy looking for an alternative bank and will end my 20+ year relationship with the TSB as soon as it is possible for me to do so.”
The reversed statements is an absolute no brainer and is making me feel quite ill.
This is a Copy of an email I sent to TSB, 3 days ago and have not had a response, looks like it’s a change of bank for me too.
“I have to say that I am utterly discussed with the new layout of the internet banking, and am extremely annoyed at the reversed layout of the statements. I will begin immediacy looking for an alternative bank and will end my 20+ year relationship with the TSB as soon as it is possible for me to do so.”
| Posted by KCooke on the 17th July 2010 | |
Re the new Lloyds TSB internet banking system.
Used the system for years with no problems. The statements looked as good as if you had received them through the post from the bank. The whole site gave the impression of quality personal banking.
The new IMPROVED site is total rubbish, it looks what it is cheap and nasty. If it was not put together in a squat in the back streets of Romania, have the people who sanctioned this improvement been sacked yet? As stated by others the statements now read upside down, which begs the question. Will phase two of this IMPROVEMENT entail reading the pages from right to left?
Used the system for years with no problems. The statements looked as good as if you had received them through the post from the bank. The whole site gave the impression of quality personal banking.
The new IMPROVED site is total rubbish, it looks what it is cheap and nasty. If it was not put together in a squat in the back streets of Romania, have the people who sanctioned this improvement been sacked yet? As stated by others the statements now read upside down, which begs the question. Will phase two of this IMPROVEMENT entail reading the pages from right to left?
| Posted by Mr R Cocks on the 15th July 2010 | |
The new Lloyds web interface is a ghastly mess I can't imagine why they thought it would be an improvement. I've told them to downgrade me to a Classic account because I'm certainly not paying £17 a month to download upside downstatements. I've been a Lloyds customer for 38 years, but I can feel a change coming on. :-(
| Posted by LCMH on the 8th July 2010 | |
The internet banking system changed overnight - I've just wasted an entire morning trying to sort things out. The worst problem: the statements are upside-down! I tried my usual routine of downloading a .csv file, but that's upside down, too! At a stroke, Lloyds have made their service incompatible with just about any piece of software customers might wish to use. When I 'phoned for help, their operator said she didn't understand the problem and just dumped me. What a disaster! What a disgrace!
| Posted by Chris Aubrey-Smith on the 6th July 2010 | |
Lloyds TSB are a terrible bank, I have been using their services for 20 years and they will screw you at every opportunity.
Every system they have is out dated. i registered for HSBC online banking and in 30 minutes i was logged on. I have been trying to get Lloyds to sort this out for me for 10 years and they always mess it up.
Every system they have is out dated. i registered for HSBC online banking and in 30 minutes i was logged on. I have been trying to get Lloyds to sort this out for me for 10 years and they always mess it up.
| Posted by Chris on the 2nd July 2010 | |
Lloyds TSB have just sent me a letter telling me they have increased my interest rates on my master card from 17,472% to 20.832% and for csh withdrawals from 24.9% to 26.484% p.a.
This is at a time when they advertise 15.9%. I have had this card for many years and as far as I can remember have never missed a payment. Their payment protection is also extortionate and accounts for more than a third of the minimum monthly payment
This is at a time when they advertise 15.9%. I have had this card for many years and as far as I can remember have never missed a payment. Their payment protection is also extortionate and accounts for more than a third of the minimum monthly payment
| Posted by Bob on the 22nd June 2010 | |
I have been a customer for 50 years and this is the worst it has ever been! I write letters to have money transferred overseas from UK but they say they never get the letters but then I phone from USA to ask what has happened and then I have to spend 15 mins on the phone going through every security question before they tell me that they don't see my request. Well of course they don't because it hasn't happened and my letter has gone goodness knows where. This happens time and time again with no explanation about where my instructions have gone. Doesn't anyone write letters anymore or even e-mails. I wrote them an e-mail but they never replied. What happens to those too? Since Lloyds became Lloyds TSB it has become a shambles for a lot of people and it is so tiring trying to unravel issues.
| Posted by Carol Frayne on the 18th May 2010 | |
I've never had a serious problem with Lloyds TSB, other than having to queue in branches at busy times. Staff are always friendly and polite. I have 4 accounts with them and all are run well and without a hitch. Online banking is excellent and very good if you are moving between their own accounts or those with faster payments. Whenever I've needed to query something or change details, it's dealt with efficiently in branch, or over the phone. This is one of the few high street banks I'm happy to recommend, I've been a long term customer too.
| Posted by John Browning on the 2nd December 2009 |  |
Dealing with Lloyds about my late Mother in Laws estate. Both the local branch (Seaton in Devon) and the Estate Settlements unit have been efficient, helpful and friendly. So congratulations to Lloyds - a great contrast to Alliance and Leicester - but that another story!
| Posted by Jim Hart on the 30th November 2009 | |
Lloyds is the worst bank I have used. Nationwide was the best and Natwest has been really good so far.
With Lloyds tsb, since I joined them two years ago I have only faced problems after problems. I had set up a standing order for my mortgage and it would reach the mortgage a/c three days after the payment was due, so now I have to manually transfer the money from one bank to another. There is no other better service. I asked for an increased overdraft for just two months and got refused, but than later charged me £165 for overdraft fees. I didn't want a credit card, every time I visited the bank I would be approached, so when I was recommended by the mortgage consultant to open a credit card, it took me three attempts to open a credit card, as per their system I have a bad credit rating, which is completely untrue. Than they apologies and opened a credit card, and guess what when there was a fraudulent transaction on my credit card I was recommended to block the cards and they will reissue me a new one. And till now I am waiting and spoke to 14 representatives and all of them said it's on its way and it's been two months and I haven't had it. What a nuisance of a bank I would not recommend any one to bank with them. They are trouble and nuisance. Once I have cleared my overdraft I will not bank with them..... definitely not....
With Lloyds tsb, since I joined them two years ago I have only faced problems after problems. I had set up a standing order for my mortgage and it would reach the mortgage a/c three days after the payment was due, so now I have to manually transfer the money from one bank to another. There is no other better service. I asked for an increased overdraft for just two months and got refused, but than later charged me £165 for overdraft fees. I didn't want a credit card, every time I visited the bank I would be approached, so when I was recommended by the mortgage consultant to open a credit card, it took me three attempts to open a credit card, as per their system I have a bad credit rating, which is completely untrue. Than they apologies and opened a credit card, and guess what when there was a fraudulent transaction on my credit card I was recommended to block the cards and they will reissue me a new one. And till now I am waiting and spoke to 14 representatives and all of them said it's on its way and it's been two months and I haven't had it. What a nuisance of a bank I would not recommend any one to bank with them. They are trouble and nuisance. Once I have cleared my overdraft I will not bank with them..... definitely not....
| Posted by B Kempster on the 8th June 2009 | |
I was once a customer of Lloyds bank but no more thank god... When my husband died it took 5 months to sort out his account (which was in the red) and no-one I spoke to in 2 branches seemed to know what to do. I was given so much duff info it seemed like a farce. In the end I did nothing and let them sort it out. Nothing but trouble though for over 5 years - does anyone at Lloyds write letters anymore? I think not. 4 outstanding complaints still but I wont be chasing them. Would not waste my time. If you don't bank the way Lloyds want you to they are not interested.
| Posted by a very unhappy customer on the 12th April 2009 | |
Faster payments from Lloyds = BUNKUM
Tried to transfer money to an HSBC account linked to the Coventry Building Society. Can't do it via faster payments sir, not even £200!
So much for the much trumpeted 21st century banking.
I gather HSBC and NatWest can both manage it so why can't Lloyds?
At least, to his credit, the telephone floor manager has said he'll credit my account with the fees for a CHAPS transfer of my money (but only one of them :-( ) to make up for the lack of Faster Payments....
I've lodged a complaint and I suggest others do the same if/when you find out you can't either
Tried to transfer money to an HSBC account linked to the Coventry Building Society. Can't do it via faster payments sir, not even £200!
So much for the much trumpeted 21st century banking.
I gather HSBC and NatWest can both manage it so why can't Lloyds?
At least, to his credit, the telephone floor manager has said he'll credit my account with the fees for a CHAPS transfer of my money (but only one of them :-( ) to make up for the lack of Faster Payments....
I've lodged a complaint and I suggest others do the same if/when you find out you can't either
| Posted by Neil on the 15th December 2008 | |
Compared to my other bank Smile (Co-Op Bank) LTSB are lightyears ahead, espcially with internet banking. their system is completely real-time (apart from detailing specifics of earmarked funds for debit card payments, but that's reflected in your available balance, in line with what other UK banks do), allowing you to know exactly what's coming in and out of your account, how much money you have to spend, allowing you to keep complete control of it. perfect for my needs. When I've had a complaint or query, they've been able to sort it very quickly, as their basic infrastructure is so sound. Refreshing difference from Smile where their web interface is like something from the 1950s, and you can't even find out what your availabale balance is without going to a cashpoint.
Not Quite sure what J Cruikshank is talking about below. The function for same day transfers between LTSB personal accounts is still in place and has never been withdrawn at all. The 4 day notice that pops up is a disclaimer to cover for banks / Lloyds TSB business accounts who have not yet been upgraded to the 'faster payments' system. There's been no change to transfers between personal accounts at all. By the end of this year, all transfers between personal and business accounts at LTSB will be instant also.
Not Quite sure what J Cruikshank is talking about below. The function for same day transfers between LTSB personal accounts is still in place and has never been withdrawn at all. The 4 day notice that pops up is a disclaimer to cover for banks / Lloyds TSB business accounts who have not yet been upgraded to the 'faster payments' system. There's been no change to transfers between personal accounts at all. By the end of this year, all transfers between personal and business accounts at LTSB will be instant also.
| Posted by TH on the 10th September 2008 | |
anyone know how to em-ail lloyds directly? straight to the managers/directors?
im sick of this enquiry form and im not getting answers. please help
im sick of this enquiry form and im not getting answers. please help
| Posted by adrian on the 12th June 2008 | |
They've changed my (universally accepted) Cashpoint card for a Visa debit card. Suddenly, can't process cash anywhere, so go to branch (a trek) and get cash on Visa. Into branch, ask what's wrong with Cashpoint card. We don't do them cards no more - told after a long wait. I congratulated the girl on her impeccable grammar and asked where my old card was. I've put it in the shredder. Nobody told me. But as I left, a woman followed me out and said another satisfied customer, then. Think that sums it up. Sorry, had to get it off my chest.
| Posted by Mr. Steaming on the 11th April 2008 | |
Lloyds is the best!
| Posted by Shirley Mahmut on the 13th January 2008 | |
Lloyds tsb said that they are not going to charge me when I went overdrawn for the first time, but after a couple of months they deducted £30 from my a/c, after a few months I went overdrawn again thrice, then they charged me £90 and made me overdrawn by their own charges, now I do not have any money in my a/c, overdraft charges are there. Plz advise me what to do???
| Posted by Raju Modi on the 23rd December 2007 | |
The Lloyds tsb have now withdrawn the facility that you could transfer that day from your Lloyds account to another account with the Lloyds right away and the money would be available right away when you transferred it through the internet banking. Now they have gave us a notice on our internet banking saying the following and adding on the lloyds tsb bite at the end. See below: "Please allow three to four working days for payments to reach the payee including any new payment arrangements to another Lloyds TSB account." Why can they do this without warning and why are they allowed to do this as other banks allow this to happen? They are now making all transactions like standing orders, cheque etc. This was the point off using internet banking, it was supposed to be easier than going into bank. The bank is now making life more difficult all the time, they are taking away service after service. A disappointed Lloyds tsb customer.
| Posted by J Cruickshank on the 19th November 2007 | |
Do not bank with Abbey, I have paid someone else's mortgage with the money they took from my account, it took them 3 weeks to put it back. My cards now no longer work since they put in their new computer system, my account is frozen at least once a week without fail. I keep losing earning cause I need to go to my branch during work hours. They admitted it was their fault and I am waiting for a compensation offer. It's now 8 weeks down the line and their head office and legal dept are now denying all knowledge of this and blaming me.
| Posted by Lorna Gibson on the 14th November 2007 | |
After 30+ years with them I have finally had enough of their awful service and terrible advice. They used to be good but the last few years the 'service' has declined rapidly and in my opinion terminally. I have now switched to the coop which was quite a revelation. So this is what proper banks are like, should have switched a long time ago.
| Posted by Derek on the 12th October 2007 | |
Sorted out a problem with my account and waived fees incurred through this - even though the problem was no fault of theirs. Kept me up to date with progress as well. I only have an ordinary Classic account.
| Posted by Judith Robertson on the 20th September 2007 | |
Can't get names and dates right on correspondence. And they shared my personal information with the local Conservative Party. The customer starter packs used to be quite snazzy though...
| Posted by Jude Rawlins on the 3rd June 2007 | |
Charges £30.00 for being overdrawn by 0.47p for 1 day
| Posted by Debbie on the 5th February 2007 | |
They encourage no paper statements then they mess with the order a) of columns switching debits and credits (as an ex programmer to alter a legacy download layout is a mortal sin).
b) the reverse date order I hate and all my history is date ascending down the page!!!
In order to get transactions to sort (just sorting on date doesn't sort multi transactions on the same day to line up with the balance) I do the following: add another column and put in a column count 1,2,3,4 etc. then sort on the count column descending. I need to get a few minutes on the home phone and raise it with internet banking (office hours only).