Written on: 16/05/2012
2 main issues with the site/service "Lloyds TSB Internet Banking".
Firstly, passwords were limited to 15 characters.
This combined with a silent truncation of longer passwords led to an issue where logging in would work, but passwords entered to perform other actions would fail - including trying to change the password!
Secondly, since mid 2010 the current csv file format does not separate vendor and transaction specific data. Prior to August 2010, the vendor field would appear as "VENDOR NAME . CD2345", allowing the vendor name (before the " . " delimiter) to be split. Now, these transactions appear as "VENDOR NAMECD2345" making it harder to get the vendor name and therefore link transactions to a specific vendor. This is especially true of Direct Debits where each individual payment ends up with a different vendor name.
Contact with their help team was friendly but not helpful. (in that once I was able to make my complaint understood, there were no plans to remedy and no suggestions of a workaround). One other consequence of the vendor name change was that transactions already loaded into the my data mart no longer matched ones meaning that for any overlapping periods the same transactions would be reported twice, once under each vendor name.)
Interestingly this change occurred at the same time they were working up their own BI reporting scheme (Money Manager)...
(Note: Although I use the csv files - the issue is also present in the Quicken format.)