Visitors to the site are reminded that the details contained within user comments are uncorroborated and as such should not be read as fact but as the opinion of the person who left the comment.
Comments:
I am very annoyed with LLoyds TSB ive had a bank with them for a fiew years and my daughter has a savings account and the amount they charge for going overdrawn is rediculous and to top it all off this morning i was on a phone to a rude unhelpfull lyin bloke.I asked him to put me through to a manager or someone higher and he said he was the highest person then the next min he said ill speek to my manager and he put me on hold and came back talking and sayin a load of rubbish and when i asked to speek to the manager he said no. my mother could see i was gettin upset so she went on the phone and wished to speek to the person in charge and he wouldnt allow this to happen and then he started given my personal details out to my mother i know she my mother but he didnt know that and i am over the age of 18 so he shouldnt disguss my private details with my mother and now no one will put my through so i can make a complaint about him they keep tellin me to go into the branch but they taken all my money so how am i ment to and how am i ment to provide for my daughter when they take my money!!! anyone got adice please email amzy-evz@hotmail.co.uk
I am a director of a fairly large company and have banked with Lloyds TSB for a number of years. Just over a year ago I requested a bankers draft or cheque for payment of Canadian Permanent Resendency fees and received the incorrect draft from Lloyds (this is an offshore account). I then had to with great cost order replacement drafts and return the faulty drafts to them. Now a year later I must find out that Lloyds TSB has stopped the one draft for no reason what so ever (and with 20x that amount available on account) and have to find a replacement draft from my new bankers to sort out this nonsense. I could even loose my newly found status. This is so unacceptable I could scream! If I loose my status as P.R., I will sue them.
Occasionally I receive emails and comments from LloydsTSB about improvements they have made as a result of customer feedback. How due they receive customer feedback when there is no option on their website? I have an idea I would like to pass on, but I have given up looking.
Have just spoken to these morons and the girl put the phone down on me.
Was totally rude and had no patience whatsoever in how she treated me on the phone and then she hung up and I was going to pay her some money, oh well I'll keep it then.
My mother has had account with TSB for over 40 years, she has not moved house in over 50 years. She relies on internet banking now a days.
So she try to transfer a 4 figure sum of money to another bank. She struggle with the other banks codes and then was locked out. She rang the number on the website and was spoke to very harshly even though she explained that she was in her 80's and waiting for a pace maker to be fitted (she also wears a hearing aid). A number of questions were fired at her which she could not catch and the possible questions made no sense to her. she ask for them to be repeated and was spoke to like a naughty child not paying attention.She was not allowed to have the questions again. She spoke to someone else and received the same treatment. On both occasions she was told she failed the test, although she had no idea what the test was and was informed that she had to present herself to her bank manager with ID. She did not make it on foot as far as the local branch, collapsing in the High Street well before the branch and ending up in hospital, after a few days she had a pace maker fitted. Upon return from hospital still no on line banking and when she rang up the same reply.She was in no fit state to go visiting bank managers. Did she have enough funds to pay the bills coming out, had the money transfer gone through?
Although I'm not a big LLoyds TSB fan and I have already made that clear in my own recent comment, as a former staff member
I must in the case of the last comment, put a couple of things straight.
A fixed rate loan means that the interest remains the same during the term of the loan. It is not added at the beginning of the loan, these type of loans have not been in existance for at least 25 years. The interest is calculated on a daily basis and then added to the loan each month, usually on the repayment day. The amount of interest each month reduces in line with the oustanding loan balance. If you wish to repay the loan earlier that the agreed term, then the outstanding balance plus the amount of interest accrued since the last repayment is the total balance to be repaid.
i had a lloyds tsb loan and are a damn ripoff i got a loan out a fixed loan with intrest added and even tho it was fixed they were adding daily intrest which they shouldnt have plus i had it on for seven years and have paid it in full earlier 5 years earlier and i get nothing back from these which i should at least get something back as they have gotten there money back earlier than expected i will never trust these at all and thinking of closing my account even tho have been in years with them i dont trust banks at all now.
I have banked with Lloyds for just over two years, and up untill this morning, I've had a relatively ok relationship with them.
I am a uni student, and have a part-time job, but do not earn very much. I was put on a reduced over-draft plan, which was twenty pounds a month, which I agreed to, and have been paying for the past 3 months. Last week, they increased this, without my permission and this put me into negative, thus incurring a charge. I phoned my father, and asked him to look at my statemnt, as I am dyslexic and dyspraxic, I have a hard time with my finances, but I do try to keep on top of them. My father said that they had no right to do that, and suggested that we make an appointment at the STRATFORD-UPON-AVON branch, to try and sort this out. I agreed and he made an appointment for 13/03/2010.
When we arrived at the branch we went to reception, where the woman who served us 'looked at her files' and told us we didn't have an appointment, And tried to argue the case until I produced the confirmation of an appointment letter. She then took us to a desk, where she proceeded to fiddle with her false nails and spilt ends whilst my father spoke to her, which I found extrmely rude, and it appeared to me she was not interested and was not listening. This was proven when a look of total blankness crossed her face and she said 'If you daughter has a loan with us she needs to pay it back' I do not have a loan with them. I was talking about my student loan. This continued in this fashion, and she still seemed unable to grasp it, so she called the branch manager over.
This man was just as rude and as unhelpful as this woman, and spoke over my father and myself when we tried to speak. We ending up leaving, feeling disappointed and disgusted with the way we were treated.
The ironic thing about the entire situation is whilst these two inept cretins rudely spoke over us, me and my father did not get a chance to suggest that I give them the 800 that is left for me to pay off when I get my student loan next month, so they have just put themselves out of pocket. I have another account with a different bank which i am transferring my loan payments and wages too. I have to wait untill Monday to give an offical complaint, I hope they handle it better than their Stratford staff do.
I'm so pleased I have found this site, it seems many of you have been treated like this too. Disgusting.
The charges for unauthorised overdrafts are outrageous. Lloyds TSB are cashing in on people's misfortune - especially in these times where jobs are being lost - and their charges are blatantly unfair. On top of that, their customer service is inept and their data security is suspect.
Here is the story:
On the afternoon of Jan. 7th, I entered Lloyds TSB Kentish town branch (I wish I hadn’t ). I was to transfer my traveler’s cheques into cash. I did it once before at another branch of TSB, smoothly and quickly, that was 4000. This time, I brought 25 pieces of 200 pounds, that’s 5000 pounds in total. The counter asked me to sign my signature and date at the right place, I did so. And I asked her if I should sign every piece, she said yes. While I was doing this, she copied my passport number at the back of each cheque. After all done, she said she needs to make a phone call. When she came back, she told me that she can’t give me 5000, but 500 per day. She was not allowed to change all the cheques.
Then, I went out to Abbey, Barclays and HSBC, however, all of the three banks are saying: ‘you’ve already double signed without presence of our staff, and there is no other correct place to sign your signature, then your cheques became invalid. What’s worse, you signed date, if you can’t get cash today back in TSB, you’ve got to go to American Express to renew your cheques.’
I went back to TSB, they apologized, but they explained it’s the policy, and they recommended that I could try other banks and sign at the back of the cheque, all they can do is 500 per day.
What’s funny is that my cheque is 200 pounds each, according to the policy, actually I can get 400 per day, and I need 13 working days to get my 5000 cheques. I’m an international student, my tuition fee and accommodation won’t possibly wait for so long.
It was getting late, and banks were closing.
The next day, I went to American express directly. I managed to transfer into cash, but I have to pay 1% commission fee, that’s 50 pounds.
And I made a phone call to complain, their answer was: they should have given you however much you need, but there was no 5000 in their small branch.
I didn’t call back. What a joke! Which is true? If you don’t have that much money, you could tell me directly or send me to other branches or make another appointment! But U just MAKE UP “policy”!!!
The counter should have told me we can’t give you that much money BEFORE she asked me to sign every piece!
Due to her bad timing, I lost 50 pounds and wasted several hours on the way to American Express, and I was worried and upset all day long!
The thing is, I did it before at TSB without any trouble, but this time, they have a POLICY. They don’t even behave the same way towards the same issue!
And there is no email complaint available, only expensive phone calls…
50 pounds may be a small amount to everyone seeing this thread, but to me, a poor international student, it means a lot. What’s more, the trouble TSB brought me can’t measure in terms of money. Living in a foreign country is hard, the unexpected trouble makes it worse.
Here is my contact, hopefully, someone will follow up!
leanonspirit@gmail.com
Hi, I've had an account for 35 years with Lloyds TSB, and am also an ex-employee of almost 30 years. Over the last 20 years or so I've seen so many changes (from both sides of the fence) and definitely not for the better. Banking, when I first joined Lloyds Bank staff, was a service industry and the staff were pleased to make sure that the customers were happy and were proud of the service we provided. We were not employed as salespeople and not expected to sell insurance. (If that was the case then we would have looked for employment with the Prudential or Standard Life). These were the days when you were able to speak to your bank manager, take him for lunch to discuss your financial requirements and he had the authority and capability to make decisions. They were also the bosses who was knew and respected each and every member of his staff. Sadly, these managers have been tossed aside on the early retirement pile!
Todays staff are treated as numbers (just like the customers), they are not respected and their thoughts and wishes are of no interest to the management. They are only interested in their own targets and will walk over everyone to get there. Every financial decision is made by a computer, (just like little Britains 'the computer says no'), so the bank doesn't have to waste money employing 'real managers', there's just a mindless idiot with no common sense pushing the buttons. This is why there are so many 'cock ups', no one wants to take responsibilty for anything, is unable to make a decision and spends most of the day working like a robot! If it isn't written down in black or white they're completely stumped.
The only benefit left for working at LLoyds was being part of their profit sharing scheme, however when I left their employment they took back all the shares issued to me relating to the previous year.
My decision to leave the bank's employment was partly to do with the above comments and also because I had decided to emigrate to France, however I still maintain an account with Lloyds for convenience. During the past 5 years, whenever I've needed to make large transactions, there always seems to be a problem. Last year when trying to deposit funds with other offshore banks, I issued 2 large cheques, both for the same amount. The first one cleared my account with no problem, but the second was returned unpaid twice (although the funds were available) and the reason was that they were unable to contact me to verify that it was a genuine transaction (one of the banks rules to combat fraud) When I pointed out that the first cheque was paid immediately without any verification, the member of staff told me that it wasn't herself that paid it so she couldn't comment!! It was my fault apparantly because they didn't have a record of my telephone no. I then asked why she hadn't written to me instead and the answer was that she would have done that next time!!! So I gave my telephone number for future use.
This week I had a large sum of money transferred by same day CHAPs payment from an offshore account to Lloyds but unfortunately quoted my sole account no. instead of the joint account no. but Lloyds decided in their wisdom to send the funds straight back. When I asked why they did not phone me, I was told it was because they only held part of my telehone number (country code missing). Being very agitated I asked why was nobody capable of finding the country code or maybe even to use common sense and place the funds on the joint account (obviously life for the staff would be much easier if customers didn't exist!). I find it very annoying that a member of staff recently was capable of phoning me to offer investment advice, but unable to when it suits them. So it seems it depends if it is in the banks interest or the customers!! I had to wait 3 days for the funds to be received back in my offshore account as it would have been too expensive to return it by CHAPS. (the offshore bank have now sent it twice to lloyds this way at no charge to me at all). By the time I was able to access these funds, the euro rate had dropped and I was once again considerably out of pocket thanks to LLoyds Bank.
These are just two incidents that come to mind, believe me there are so many I've lost count, however this time I've put pen to paper and sent a letter of complaint. Watch this space!!!
This is about all banks really not just my one. I only came here because I could not find any way of contacting a human being via the bank's official web site.
My issue is about paper versus online statements. Whenever I view my statement online I am urged to cancel receiving paper statements. This is presented as being for environmental reasons.
My personal situation requires that I am able to produce a bank statement on request, as I am sometimes means tested. As far as I know, a print out of an online bank statement is not satisfactory.
If I could, I would like to cancel receiving paper statements. In fact, there is an option to order a paper version of any online statement. This would be ideal, but as I recall, one time I needed to in the past I was charged for doing this.
If the bank truly wishes to help the environment and is not merely interested in cutting costs, I suggest that they make an agreement to provide a certain number of specific paper statements upon request for free if a customer agrees to stop receiving regular statements by post.
Are big organisations like Lloyds TSB allowed to openly breach its own internal policies? For example, their own internal Harassment Policy?
The reason I ask, is that in Jersey, Lloyds TSB were involved in a matter which a former employee took them to the local Employment Tribunal. At the tribunal, it was acknowledged that the Bank, were found to have deliberately breached its own Harassment Policy yet received no sanction or penalty as a result - huh?
Seems like one rule for the employer and another one for the employee - hhmmnn. Details of this matter can be seen at www.blackhorsedown.com
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Visitors to the site are reminded that the details contained within user comments are uncorroborated and as such should not be read as fact but as the opinion of the person who left the comment.
Comments:
Was totally rude and had no patience whatsoever in how she treated me on the phone and then she hung up and I was going to pay her some money, oh well I'll keep it then.
So she try to transfer a 4 figure sum of money to another bank. She struggle with the other banks codes and then was locked out. She rang the number on the website and was spoke to very harshly even though she explained that she was in her 80's and waiting for a pace maker to be fitted (she also wears a hearing aid). A number of questions were fired at her which she could not catch and the possible questions made no sense to her. she ask for them to be repeated and was spoke to like a naughty child not paying attention.She was not allowed to have the questions again. She spoke to someone else and received the same treatment. On both occasions she was told she failed the test, although she had no idea what the test was and was informed that she had to present herself to her bank manager with ID. She did not make it on foot as far as the local branch, collapsing in the High Street well before the branch and ending up in hospital, after a few days she had a pace maker fitted. Upon return from hospital still no on line banking and when she rang up the same reply.She was in no fit state to go visiting bank managers. Did she have enough funds to pay the bills coming out, had the money transfer gone through?
I must in the case of the last comment, put a couple of things straight.
A fixed rate loan means that the interest remains the same during the term of the loan. It is not added at the beginning of the loan, these type of loans have not been in existance for at least 25 years. The interest is calculated on a daily basis and then added to the loan each month, usually on the repayment day. The amount of interest each month reduces in line with the oustanding loan balance. If you wish to repay the loan earlier that the agreed term, then the outstanding balance plus the amount of interest accrued since the last repayment is the total balance to be repaid.
I am a uni student, and have a part-time job, but do not earn very much. I was put on a reduced over-draft plan, which was twenty pounds a month, which I agreed to, and have been paying for the past 3 months. Last week, they increased this, without my permission and this put me into negative, thus incurring a charge. I phoned my father, and asked him to look at my statemnt, as I am dyslexic and dyspraxic, I have a hard time with my finances, but I do try to keep on top of them. My father said that they had no right to do that, and suggested that we make an appointment at the STRATFORD-UPON-AVON branch, to try and sort this out. I agreed and he made an appointment for 13/03/2010.
When we arrived at the branch we went to reception, where the woman who served us 'looked at her files' and told us we didn't have an appointment, And tried to argue the case until I produced the confirmation of an appointment letter. She then took us to a desk, where she proceeded to fiddle with her false nails and spilt ends whilst my father spoke to her, which I found extrmely rude, and it appeared to me she was not interested and was not listening. This was proven when a look of total blankness crossed her face and she said 'If you daughter has a loan with us she needs to pay it back' I do not have a loan with them. I was talking about my student loan. This continued in this fashion, and she still seemed unable to grasp it, so she called the branch manager over.
This man was just as rude and as unhelpful as this woman, and spoke over my father and myself when we tried to speak. We ending up leaving, feeling disappointed and disgusted with the way we were treated.
The ironic thing about the entire situation is whilst these two inept cretins rudely spoke over us, me and my father did not get a chance to suggest that I give them the 800 that is left for me to pay off when I get my student loan next month, so they have just put themselves out of pocket. I have another account with a different bank which i am transferring my loan payments and wages too. I have to wait untill Monday to give an offical complaint, I hope they handle it better than their Stratford staff do.
I'm so pleased I have found this site, it seems many of you have been treated like this too. Disgusting.
Here is the story:
On the afternoon of Jan. 7th, I entered Lloyds TSB Kentish town branch (I wish I hadn’t ). I was to transfer my traveler’s cheques into cash. I did it once before at another branch of TSB, smoothly and quickly, that was 4000. This time, I brought 25 pieces of 200 pounds, that’s 5000 pounds in total. The counter asked me to sign my signature and date at the right place, I did so. And I asked her if I should sign every piece, she said yes. While I was doing this, she copied my passport number at the back of each cheque. After all done, she said she needs to make a phone call. When she came back, she told me that she can’t give me 5000, but 500 per day. She was not allowed to change all the cheques.
Then, I went out to Abbey, Barclays and HSBC, however, all of the three banks are saying: ‘you’ve already double signed without presence of our staff, and there is no other correct place to sign your signature, then your cheques became invalid. What’s worse, you signed date, if you can’t get cash today back in TSB, you’ve got to go to American Express to renew your cheques.’
I went back to TSB, they apologized, but they explained it’s the policy, and they recommended that I could try other banks and sign at the back of the cheque, all they can do is 500 per day.
What’s funny is that my cheque is 200 pounds each, according to the policy, actually I can get 400 per day, and I need 13 working days to get my 5000 cheques. I’m an international student, my tuition fee and accommodation won’t possibly wait for so long.
It was getting late, and banks were closing.
The next day, I went to American express directly. I managed to transfer into cash, but I have to pay 1% commission fee, that’s 50 pounds.
And I made a phone call to complain, their answer was: they should have given you however much you need, but there was no 5000 in their small branch.
I didn’t call back. What a joke! Which is true? If you don’t have that much money, you could tell me directly or send me to other branches or make another appointment! But U just MAKE UP “policy”!!!
The counter should have told me we can’t give you that much money BEFORE she asked me to sign every piece!
Due to her bad timing, I lost 50 pounds and wasted several hours on the way to American Express, and I was worried and upset all day long!
The thing is, I did it before at TSB without any trouble, but this time, they have a POLICY. They don’t even behave the same way towards the same issue!
And there is no email complaint available, only expensive phone calls…
50 pounds may be a small amount to everyone seeing this thread, but to me, a poor international student, it means a lot. What’s more, the trouble TSB brought me can’t measure in terms of money. Living in a foreign country is hard, the unexpected trouble makes it worse.
Here is my contact, hopefully, someone will follow up!
leanonspirit@gmail.com
Todays staff are treated as numbers (just like the customers), they are not respected and their thoughts and wishes are of no interest to the management. They are only interested in their own targets and will walk over everyone to get there. Every financial decision is made by a computer, (just like little Britains 'the computer says no'), so the bank doesn't have to waste money employing 'real managers', there's just a mindless idiot with no common sense pushing the buttons. This is why there are so many 'cock ups', no one wants to take responsibilty for anything, is unable to make a decision and spends most of the day working like a robot! If it isn't written down in black or white they're completely stumped.
The only benefit left for working at LLoyds was being part of their profit sharing scheme, however when I left their employment they took back all the shares issued to me relating to the previous year.
My decision to leave the bank's employment was partly to do with the above comments and also because I had decided to emigrate to France, however I still maintain an account with Lloyds for convenience. During the past 5 years, whenever I've needed to make large transactions, there always seems to be a problem. Last year when trying to deposit funds with other offshore banks, I issued 2 large cheques, both for the same amount. The first one cleared my account with no problem, but the second was returned unpaid twice (although the funds were available) and the reason was that they were unable to contact me to verify that it was a genuine transaction (one of the banks rules to combat fraud) When I pointed out that the first cheque was paid immediately without any verification, the member of staff told me that it wasn't herself that paid it so she couldn't comment!! It was my fault apparantly because they didn't have a record of my telephone no. I then asked why she hadn't written to me instead and the answer was that she would have done that next time!!! So I gave my telephone number for future use.
This week I had a large sum of money transferred by same day CHAPs payment from an offshore account to Lloyds but unfortunately quoted my sole account no. instead of the joint account no. but Lloyds decided in their wisdom to send the funds straight back. When I asked why they did not phone me, I was told it was because they only held part of my telehone number (country code missing). Being very agitated I asked why was nobody capable of finding the country code or maybe even to use common sense and place the funds on the joint account (obviously life for the staff would be much easier if customers didn't exist!). I find it very annoying that a member of staff recently was capable of phoning me to offer investment advice, but unable to when it suits them. So it seems it depends if it is in the banks interest or the customers!! I had to wait 3 days for the funds to be received back in my offshore account as it would have been too expensive to return it by CHAPS. (the offshore bank have now sent it twice to lloyds this way at no charge to me at all). By the time I was able to access these funds, the euro rate had dropped and I was once again considerably out of pocket thanks to LLoyds Bank.
These are just two incidents that come to mind, believe me there are so many I've lost count, however this time I've put pen to paper and sent a letter of complaint. Watch this space!!!
My issue is about paper versus online statements. Whenever I view my statement online I am urged to cancel receiving paper statements. This is presented as being for environmental reasons.
My personal situation requires that I am able to produce a bank statement on request, as I am sometimes means tested. As far as I know, a print out of an online bank statement is not satisfactory.
If I could, I would like to cancel receiving paper statements. In fact, there is an option to order a paper version of any online statement. This would be ideal, but as I recall, one time I needed to in the past I was charged for doing this.
If the bank truly wishes to help the environment and is not merely interested in cutting costs, I suggest that they make an agreement to provide a certain number of specific paper statements upon request for free if a customer agrees to stop receiving regular statements by post.
The reason I ask, is that in Jersey, Lloyds TSB were involved in a matter which a former employee took them to the local Employment Tribunal. At the tribunal, it was acknowledged that the Bank, were found to have deliberately breached its own Harassment Policy yet received no sanction or penalty as a result - huh?
Seems like one rule for the employer and another one for the employee - hhmmnn. Details of this matter can be seen at www.blackhorsedown.com
LL
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