Lloyds TSB Review

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Lloyds TSB
1.6 stars
Average rating for this product is: 1.6 out of 5

From 2 ratings and 51 reviews

Thumb down 27% of users recommend this product

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Vural's Review of Lloyds TSB

12th Mar 2009

Overall Rating

0 stars
  • Telephone Banking
    0 stars
  • Local Branch
    0 stars
  • Customer Service
    0 stars
  • Internet Banking
    0 stars
  • Cash Point Facility
    0 stars

I opened a business account with Lloyds TSB. My account is credited every morning by bacs payment and the funds are always there as "available to spend balance". The funds appeared on the statement on the next day. Sometimes the account was overdrafted although the available to spend balance was always in credit. Yesterday morning I noticed that my account was overdravn and made my way to the branch to pay in cash to avoid being charged. I paid in the money and I asked the cashier if the balance had been brought to credit. The answer was no. Because their system apparently update the entries overnight until which a charge would be applied. I talked with the staff in the branch about the charge's being unfair with no success as they all told me that they cannot change their elctronic system. At the end I got that the only thing that can be changed is the bank which I am now doing.

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products.Monthly0.25%18.49%n/a