Lloyds Bank Platinum / Gold Current Accounts Review

Overall Rating

Hmmmmm???

Useless,Account Management and handling, Can't get through to Branch, Account managers don't call back. countles departments which don't seem to interract. Blame the customer for Banks mistakes culture. Phone banking is more time consuming and difficult then just going into the branch and queing at lunchtime.

Have been with Lloyds since being a child, Things have never really been good. I had a Platinumn Account (£12per month) and the Gold Account (8 Per Month) and a normal current account. I have had direct debits and standing orders canclelled, without my knowledge cuasing all sorts of upsets, I have spent literally weeks trying to get hold of my Account manager at the branch to sort out problems but she never returns my calls so I have to take time off work to go in and see her to sort out the problems. I have actually on more than one occasion had my account manager whining to me that she can't deal with my problems (which she had caused) because she was so busy. One such problem was where I took out a loan and I was told that £3000 of it would have to go towards paying off another loan, which was fair enough, it was bank policy to have only one loan running at a time. so I merrily went about my business knowing that I had payed off the one loan and was left with the remainder of the other, Month later I get hit with a bill for the £3000 that wasn't paid off, plus the accrued interest etc. Of course my account manager went into hiding and when I finally there was nothing she could or would do about it, because I should have checked my account, and while yes i do agree with that I am the master of my own money, banks should not be makeing mistake like that which end up costing you and extra £3000. I have been Charged countless times for bounced cheques or standing orders because there were no funds available, when there were, then had to hunt down the illusive account manager to sort them out. And don't get me started on internet or phone banking. I thought that the whole point was to make life easier, I have had my password changed without my knowledge or instruction, Also they seem to have a "not my job" culture how many time have I spoken to someone from phone banking and they have said they can't do what I need them to do because they are from the TSB side. Not that you cna actually achieve anything through Phone banking anyway, they always tell me that i'd need to speak to my account manager who I can't ever get hold of. After an argument with my account manager I asked her to close all of my accounts down. Months later i recieved red letters from Lloyds with the charges on top of charges pertaining to the £12 and £8 monthly charges plus late payment charges etc on the Gold and Platinumn accounts that my account manager had supposedly closed down months ago. Imagine my joy...
They Lloyds obviously deemed this as my fault and problem although they did refund some of the charges on the gold Account but say i must pay the Platinumn, I flatly refuse and will happily attend court to contest this. After all it has become more about the principal than the money now.