Written on: 30/01/2012
At the beginning of my third year of a four year course, I recieved a call from collectors saying I owe Lloyds £999 as I no longer have an overdraft facility (but couldn't advise me why this was). After going to the branch I found out this was removed as I had not paid money into the account for 3 months (not having had a loan installment for that amount of time and struggling to find part-time work!) After endless letters of complaint and speaking to numerous incompetent customer service... (read more)
Written on: 21/03/2011
awful. get given different information over the phone than i do in branch, having great difficulty extending my overdraft with no real reasons given. will be changing banks asap! (read more)
Written on: 21/11/2010
Will be charging £5 a month to use the "0% authorised overdraft" from December 2nd. Complete con-merchants. Am settling my account and moving to a new bank ASAP. (read more)
Written on: 09/10/2010
My son has a student account with them he went in his third year at uni he went £40 overdrawn(first time ever) they charged £20 for a returned standing order,unplanned over draught monthly fee £15 and charged £15 for each day he was overdrawn.Seems very unreasonable,heavy handed and excessive. Dont know how they get away with it I guess students are easy targets. (read more)
Written on: 04/10/2010
I had been banking with Lloyds TSB since I was 14, I am now 21 and have recently applied for a student account. I have a regular steady income, a few direct debits all paid without fail each month including a lloyds tsb loan and credit card! I went into one branch, the guy was very slow on the computer and after a phone call told me without being able to say why that I had been declined a student account. A couple of days later I went into another branch and had better customer service but... (read more)
Written on: 18/09/2010
Recently went into my local bracnh of lloyds to upgrade my current account to a student account (i've been banking with them for 4 years). i gave all the necessary deatils and information and after the lady had made a call, she told me i was in fact refused a student account and couldn't explain why. she told me if my parents had accounts with them, then they might be able to sort something out. just to clarify, im almost 20 and have been in control of my banking for years. she was very... (read more)
Written on: 08/09/2010
I had a Barclays student account which I closed after two weeks and switched to my LLoyds tsb account as it had better perks for students. I went in and they said there was a glitch with the system so I had to set up a new account which took five minutes and they gave me a credit card with a £750 limit on it and £500 straight away with my student account. After 6 months I can extend it to £1000 and after a year £1500 and two years £2000 and if I go over the limit its only 6% EPR for the... (read more)
Written on: 08/09/2010
They have been fine for a year however now they have decided to charge me £5 a month to use their overdraft...so the student "interest free" overdraft has to be paid for with Lloyds and no one else - im closing my account today! (read more)
Written on: 17/07/2010
I have a student account with Lloyds tsb and since leaving uni (in my overdraft) they decided without notice to take away my overdraft and start charging me £20 a day! After numerous phone calls no one has managed to explain to me why this has happened. They were fine for the 3 years I have been with them, but after this i will never bank with them again! (read more)
Written on: 17/05/2010
I found the service amazing, easy and hassle free. I walked in knowing I wanted a student account and they literally took care of the rest. Opened up a savings account, got me a student credit card.On-line banking is an absolute god send. I am happy with everything so far.
I banked with HSBC before and found the customer service rubbish. I didn't feel welcomed at all, but maybe this is a problem with my branch in particular and not a reflection of the bank as a whole. (read more)
Written on: 23/03/2010
This is the worst bank account going for students. After opening an account under promises of benefits, when I rang up to gain these benefits, I was told student accounts did not exist, when I corrected the ill informed advisor, they then proceeded to tell me that the mobile phone was not available, despite that being my pure reason for joining Lloyds.
I have had so much trouble with this bank, including them giving Halifax unauthorised bank charges from when they said they would take care... (read more)
Written on: 14/03/2010
A frills free service which is best avoided as once you graduate university they hound you for the money, especially if you cannot get a job in these harsh economic times - they don't like to give unemployed graduates their graduate account. THe benefits are a tiered overdraft up to £1500 but then during the review process it is vunerable to change without much prompting - they drop it without warning. Their customer phone service is attrocious, i kept being swapped from one department to... (read more)
Written on: 12/01/2010
Great service every time, no waiting.
Fantastic bank, loads of cashpoints, easy online banking.
In fact, I only switched to them after Halifax refused to give me a Student Account as my account kept being flagged as having too low a credit rating! After checking things out I had a score of 752 out of 1000, 2 more than the national average. So clearly they were having a laugh.
I asked Lloyds to move everything from Halifax for me, then close the account and I simply sat back as they took... (read more)
Written on: 29/11/2009
My student daughter went over her overdraft limit and Lloyds proceeded to charge her £15.00 a day! Staggering. Students beware. (read more)
Written on: 09/06/2009 by msimmons (1 review written)
I have had a under 19's account with lloyds for several years, ut upgrading to a student account was nothing b tsbut trouble. I made an appointment, which i was left waiting for 15 minutes. The manager who i upgraded with didnt have a clue on the account, and i was telling her what was in it. I have not been offered a credit card or overdraft, as i should have as she said i could not have one until i was at uni? I am still waiting for the free gifts (read more)
Written on: 26/07/2008 by rajrana (1 review written)
Their brochure says that within 28 days of opening a student account your account will be credited with £25. In addition to that you will get another £50 by 31 July 2008 if you don't go overdrawn and pay in money at least 3 times by 30 June 2008. 2 months down the line, I approached the bank manager of my local branch to ask about the initial £25 as my account had not been credited with same. I was told that the £25 was part of the additional £50 and that because I had gone overdrawn... (read more)
Written on: 12/07/2008
Lloyds TSB offer great customer service, efficient, good ideas like save the change will come in handy when your at university if you open a savings account with them also. All in all great! (read more)
Written on: 09/07/2008
Really efficient bank, the account is simple and easy to use, which is what you need when you start university. If you don't go over your credit limit then you have little to worry about in the case of charges. However charges do occur when you go overdrawn etc, but only within the guidelines set by the bank (which is what happens with most banks) - unaccounted for charges have NEVER occurred with me.
Great bank, loyal and plays safe with your money. (read more)
Written on: 13/06/2008
Poor customer service and very difficult to get in touch with the manager who I opened the account with. I got nothing for opening the student account, it has been a year, and believe it or not, I'm still waiting for the benefits they promised to give for opening a student account with them, apart from the cards. I phoned up many times just to check what went wrong, but nobody was able to help. I even went to the bigger branch in the city centre to see if they can help me out, but all they... (read more)
Written on: 28/08/2007 by misspettigrew (1 review written)
I dropped out of university in March due to stress. I have used all of the £2000 overdraft and I have now been accepted at Nottingham Trent but they are saying I have to close the account and reopen it as they think i have graduated. But to do this I have to pay the account off. I'm now stuck and broke and best of all they have new policys on the student account only giving 1500 in 500 installments as the years tick over. Also they charge through the nose if you go over your overdraft (read more)
Written on: 13/08/2007 by sw27 (1 review written)
I am disgusted both by the service provided by this bank, their lack of communication and their so called customer service. (read more)
Written on: 31/07/2007 by samanthapickup (1 review written)
This bank was terrible, their charges are extortionate, you cannot speak to your branch, its all call centres who give you abuse and cant be bothered to help you or just put the phone down, they keep charging you until your over your overdraft and then continue to charge you for no apparent reason. They also tend not to send bank statements which makes it hard to control your finances, overall this bank has made my first year a uni a complete nightmare!! DO NOT GET AN ACCOUNT WITH LLOYDS... (read more)
Written on: 19/06/2007 by eustice428 (1 review written)
This review is for the 2007 - 2008 academic year.
I've had my current account since I was 14 but 2 years ago swapped my banking over to Nationwide, but left the account open knowing I was (Eventually) going to Uni. (Nationwide offer no student overdrafts etc...).
Swapping my account should have been easy and it was; sorting everything else was hard! The £1, 500 interest free overdraft is what I was interested in but they couldn't give me that as I had a bad 'Credit Report'. I explained... (read more)
Written on: 28/05/2007 by undeadangel (1 review written)
Dont get a Lloyds TSB Student Account. I found it was nothing but hassle! (read more)
Written on: 27/01/2007 by jojo8718 (12 reviews written)
Before I went to university, I researched several student accounts, and it seemed Lloyds TSB was the best. I went to sign up for it, and I was told that I couldn't do it then, because my letter of acceptance was a photocopy. I was told I could do all the admin work now, and then come back later when I had less time to show the original. I said this was OK, and asked to start the admin. After much sighing and eye rolling, she eventually said she'd do it for me now (she'd offered anyway)! I... (read more)
Written on: 05/10/2006 by bdhayfron (1 review written)
Absolutely awful customer service. I've been with this bank for 17 years, but clearly this counts for nothing. They sent me a cheque book with a cheque guarantee facility, so it's virtually useless. They didn't give me an overdraft, and I had to apply for one separately by calling them, which was extremely expensive. No credit card, and considering I pay over £10,000 into my Lloyds TSB account, and as a student to boot, I will most certainly be closing this account. (read more)
Written on: 28/07/2006 by kimberley 1
Having been with Lloyds TSB for over 15 years, I naturally went to them first to open a student account as a mature student. I was refused on the grounds that they considered me a credit risk. I have been at home raising kids for years as a single parent, and sometimes it's been financially tough. So because of a few late catalogue payments (no CCJ's) my credit history is damaged. Even though I have credit cards and a debit card. I will not be using them when I have my degree and a good salary! (read more)
Written on: 11/05/2005 by STU1983 (3 reviews written)
I had banked with Lloyds for over 12 years, and recently graduated and transferred to a graduate account, which has an overdraft limit of £2,000, and I took out a graduate loan to buy a car and clear a credit card. My overdraft limit was put at £300 at my own request to stop me from going into debt again, this I thought was a sensible thing to do. I then started a masters degree and needed to stay in Scotland for two weeks for training, I needed my overdraft extending to about £600 to... (read more)
Written on: 01/09/2004 by Rachiebabes5546 (1 review written)
I had banked with Lloyds TSB for about 6-7 years and when I became a student I had no problems whatsoever of changing my cyrrent account to a student account. They only required my Ucas confirmation, or alternatively a letter from the University to open the account which was a simple and straight forward procedure.
During my first year, I ran into financial difficulty and the staff at Lloyds were only to happy to help. Although they do not deal with the student accounts in the branch... (read more)
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