Honest and Reliable with Great Online Facilities (Lloyds TSB)

Member Name: darrenloud

Product:	Lloyds TSB
Date:	26/02/01 (30 review reads)
Rating:

Advantages: Excellent service, reliable and honest if they make a mistake.

Disadvantages: Cannot offer all HE students a student account.

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 wou
ld definetly advise you to see what Lloyds TSB have to offer. I am very happy with their service, avaiability and banking facilities.

Summary: