Lloyds TSB down the toilet! 4000 REASONS NOT TO TRUST LLOYDS TSB

[redjohn201]

The bastards rang me at home this morning (Saturday 16th July)...at 07:40AM. I've had calls at 20:30 on a Sunday before too. I spent 20 minutes on the phone to what i thought was Brighton, only to find out i was calling Manilla. I've had enough. Account is getting closed.

[LPCLASSICAL]

That's the spirit - leave Lloyds TSB and be patriotic - open an account with Bank Of Scotland.

[zark212]

Im glad somebody has told the world what LLoyds are like. Its disgusting to think the reason we are all in a mess is because of there sheer bad management and this is how they treat the very people who have had to pay to sort there mess out. Shame on you Lloyd's, your a Bank of lyres and devils and i Despise you. Hope you get it sorted mate.

[kingwaldo100]

Bravo , nice video and so true. My case is over 3 years old.

Banks, FSA, OFT, and FOS. LOST ALL 15 CASES. FOS corrected on numerious times, banks lied and compliance breaches. Mp walked away 10 months later, no answers given by HM Treasury. 10 Downing strret hanged up on me.

Gordonstoun education and 22 years in the fiancial services.( EX IFA & DIRECTOR) Have anxiety and depression now and a divorce. No one can address my issues or matters.

[tijosims]

Lloyds tsb pain in the ass. I got problem with this bank, worst bank in UK

[LloydsTSBLiars]

@tijosims

You're not wrong there. As I understand it, Royds haven't improved - then again, that's to no great surprise.

[grannysvids]

i had a letter today saying that lloyds tsb are going to start to charge £5.00 if you go over drawn even if you have it authorised, this is an additional amount on top of the 19% AER . i went in there today saying that i often go over drawn ( authorised ) and this could cost me an extra £60.00 per year in charges. they told me that all banks are going to introduce this new charge. this is NOT true. barclays said that there will never be in force with them and i will be banking at barclays soon

[LloydsTSBLiars]

@grannysvids

I can't speak for how other banks practice, but I do know that LTSB is incompetent, brash, unforthcoming and don't know what the hell they're doing.

I have my own gripes with Barclays, but they're the model of good business practice compared to LTSB.

With luck, the next time LTSB find themselves in the shit, the government will just let them die off completely.

For a bank that was stupid enough to get caught enabling terrorism, it's the only decent thing to do.

[anth69y]

that's nothing lloyds tsb staff use your debit card details to pay off there bills and try to cover this up when you realise money from your account is missing by paying you the money back and not doing anything like cancelling the cards because they know it is internal fraud not some git with a skimmer in McDonalds

[LloydsTSBLiars]

@anth69y

Funnily enough, there was a transaction that turned up on my statement I knew nothing about. To be fair on Lloyds, they did refund the money straight away and promised 'investigation' - but I heard bugger all else after that.

This was Lloyds, and they can't run a bank properly (they'd be best leaving it to someone who can, which rules them out!), so asking them to hold a detailed investigation is out of the question!

[Martyboy2k6]

People with bank charges do my fucking nut in!!! You bought or paid with something money you didn't have!!! You wouldn't walk in to a shop and say........ I have 10 pounds, and tht costs 20, i'll just buy it take it and let someone else pay!!!! DONT GO OVERDRAWN!!!! As for the quoting the laws you read on the internet......... shut up :)

[LloydsTSBLiars]

And ignorant, embittered LTSB employees on their way out the door get my piss boiling as well!!!

Who else is going to bother speaking up in its defence, being that it's now one of the most hated companies in the UK?

In my case, it's actually multiple bank fuck-ups, and charges only make up a small part of the clip.

As for laws, sorry, but I think you'll find that The UTICCR 1999 (Section 2083) makes the charges very clearly unlawful and that the law agrees with me...now fuck off :)

[depen1]

Why don`t you just get a life.If you managed to manage your finances correctly you would not have received any penalty charges and your account be have been run completely free of charge. There is no other country in Europe where Banks give you free banking.If you wanted duplicate statements, why didn`t you just go online and print them out. You appear to be completely clueless so no wonder you didn`t stay long working for Barclays and appear to be completely unable to manage your finances.

[LloydsTSBLiars]

depen1 - Why don't you just refer to previous comments that make the same point as yours about 10 times over? There's less to read through, so what's your excuse?

There is no other country in Europe where Banks give you free banking. Neither does this one - weve just paid billions to bail them out of their own self-destructive greed.

Was there a full moon when you came up with such an idiotic statement?

[LloydsTSBLiars]

depen1 continued - Still, even if I am as clueless as you put it, at least Ive only been clueless for 34, as opposed to 62 if thats your real age.

62 years, and you cant even think of an original or even factually correct comment to put on a Youtube clip!

Thanks for the advice, but all of it is standard bank/DCA drivel common to forum trolls, and if you are indeed a b(w)anker, I'll choose to ignore it if it's all the same with you.

[goggs999]

I really dont understand your issue? You only get charged when you dont manage your account within agreed limits and as for your PPI complaint your given the terms and asked to read them and sign them plus your given a cooling off period after that if your still not happy. Regards the bank itself. 8 times in a row most trusted bank and the only bank to make a profit last year! i just think you need to put time making vids towards looking for a job!

[dcamaggots]

goggs999 - Hilarious. Another one that misses the point completely!

The problem I have with LTSB can be summed up by the rash of delays, fob-offs, failure to act on information requests, and overall failure to address concerns I was subject to.

I personally stopped paying them when they tried to impose a small fortune in unlawful charges - by this time, it was beginning to become common knowledge that they were unlawful.

[dcamaggots]

BTW - did I mention that I did ask LTSB to cancel PPI (in writing, more than once) which got left ignored?

Yep, LTSB are really doing well at the moment - 900 people laid off, share value jack-knifed, chairman handing in notice, $350 million pay-off to halt investigations into possible breach of UN Sanction Law, alienation of the Islamic Community, 24 billion in taxpayers money to rescue it (are LTSB going to pay this back?) - and all this within the last six months.

[dcamaggots]

And what has employment status got to do with anything?

I may or may not be employed, but if I'm not, then I hardly think I'm ever going to be as much of a drain on Britain's finances than LTSB. It'll be an awful long time before I cost this country 24 billion!

Speaking of employment status, if you're a LTSB employee (I assume you are), then if I were you, I'd start updating my CV. When they cull another 900, you could be among them.

And if you are, can we expect to see your own YT clip?

[kefflam]

I probably meant charges yeah.

[LloydsTSBLiars]

A lot in charges (well over half) - claim's in to get them back. Cost of running around? Well, that's a lot too. PPI policy comes to a fair whack also.

Yep, I trusted LTSB.

I was young, I was stupid, I won't be making that kind of mistake again, and I'll make it my business to see that as many people as I can don't make that mistake either.

[kefflam]

How much money did you lose?

[LloydsTSBLiars]

In what way do you mean? Question's a bit vague.

Do you mean cost of chasing around? LTSB's charges?

It's deadlocked at the minute, so it's a very difficult question to answer or put any kind of figure onto.

[LloydsTSBLiars]

adarsha197 - Yes, it did make me feel a bit better.

Better still to know that everyone else in the UK now knows that LTSB aren't capable of a running a bank properly.

And, as said in a previous comment, with this government's 'help', it'll go down the toilet even more. So much the better for me.

[cncxgrinder]

the staff from top to bottom are crap i hope they loose thier jobs as they look down at customers. the best of it is they are all on benefits as we the tax payer are propping up wages in that bank. give them a 10% pay cut like in other industries

[LloydsTSBLiars]

True enough. No surprise that if any bank were under threat of going under due to sheer incompetence, it just had to be LTSB.

Just received some more generic, contradictory 'we're looking into your complaint' shit-stains-on-A4 from them today.

To be expected - every three or four months (for four years!) this crap comes through my door.

Arse...elbow...hole in ground...left hand...right hand...

All the same to LTSB.

[dalecruickshank]

@cncxgrinder Staff at Lloyds TSB aren't crap, they try their hardest to help their customers who are not only rude but can't look after their money to save their lives

[LloydsTSBLiars]

@dalecruickshank

You speaking for yourself there?

[cncxgrinder]

they ring me up today im on a basic account they say i am eligable for an upgrade again and again i told them i dont want to change accounts as i have to pay for the account. i was told i will not be able to upgrade in the future i said i didnt want to as the account im been offered i have to pay for and i pay taxes so why should i pay for an account when im already recapitalising the bank

[themagicangel]

good lad mate. stay strong. i fucking hate lloyds tsb also. liars, snakes, thieves...

[LloydsTSBLiars]

Indeed. I'm certainly not inclined to give into them after what they've done.

Unfortunately, their share prices have gone up today (not up too much, though!).

Still, we'll wait and see when they inevitably come tumbling down again.

I just have this feeling that they're not going to be around for too long. Here's hoping...

[KesmiUK]

Ive had issues along the same lines with HSBC, I get the feeling its the industry as a whole not caring about its customers

[LloydsTSBLiars]

KesmiUK - Yep, the banking industry is beginning to pay very heavily for its lack of customer concern, and not before time.

I can only go by my own experience with LTSB, but I certainly wouldn't doubt if HSBC is similarly indifferent to its' customers.

Still, with this government's involvement, that pretty much fucks LTSB. HSBC might well be next to the scaffold.

Here's hoping.

[YOTD1]

Ur a retard!!! Take resposability for your own financial planning and stick within your limits!!! Going overdrawn is your fault and no one elses!!!!

[LloydsTSBLiars]

YOTD1 - You're in no position to call anyone else a retard when (1) You can't spell, and (2) You've completely missed the whole point of the clip.

Come back when you pass your 11+ (or rather, don't!).

If LTSB has inept, piss-soaked little cocksuckers like you working for it, then no wonder LTSB is in the shit that it's currently in.

[LloydsTSBLiars]

TheMessiah79 - Very well put and exactly the point I was trying to put across - amazing how many people seem to have missed that.

And it's funny you should say that, because Lloyds have just gone $350 million down after admitting ignoring US banking sanctions on 'risk nations'.

Will the USA go to war on Lloyds TSB? For once, that'd be one US invasion I'd endorse.

Dealing with terror nations now, eh? Well, you're £231 million down for that. Ha ha ha ha ha! Wankers!

[TheMessiah79]

bluesurf9 - laughable comment there mate

We're talking about how incompetent LTSB are and the fact that they're probably the most underhand, crooked and corrupt bank/financial service around. This has nothing to do with what you read and sign - this is to do with the tactics used by LTSB to sell their services and the corrupt ways that they like to fleece their customers. As well as the way such a large company loves to abuse their position and throw their weight around

[LloydsTSBLiars]

bluesurf9 - Read the replies to comments which make exactly the same point as yours, muppet.

And, learn to type properly before calling anyone else a muppet. Another bank/collection agency employee? If so, fuck off. If not, fuck off anyway.

[bluesurf9]

stay within your limits and read what you sign muppet

[LloydsTSBLiars]

There was a fairly well publicised case of a student (funnily enough, I opened my Lloyds account as a student account) who'd been lumbered with £800 in charges for going a few pence over. Somehow, I knew that LTSB wouldn't learn from all this negative publicity.

As for said charges, claim them back. Can be done, and ANYONE who's been levied with an unfair penalty charge should do the same. If you do, Lloyds will be awkward and obstructive at best, but stand your ground.

[ibm0026]

never go to lloyds tsb if you are a student especially, they will ripped you off with their overdraft scam...was £32 overdrawn now have to pay £500...just absolutely nonsense

[LloydsTSBLiars]

What with Lloyds well on the way to taking over HBOS, I think we'll be seeing ex-HBOS customers leaving in droves.

Same thing happened with Barclays, when they took control of Woolwich and completely fucked everything up in the process. And Barclays - as useless as they are - are a model of competence compared to Lloyds.

Yep, Lloyds reputation - such as it is - is about to get a whole lot worse. Still, bad decisions will work out so much the better for pissed off ex-Lloyds customers.

[pipipi]

well HSBC closed my account without any actual reason too, and they could not provide any credible answer to my case and told me to another bank. I went to Lloyds.

[pipipi]

*go to another bank

[dcamaggots]

TheMessiah79 - Yep. I think I'm going to have to go the legal route too. For the charges, mis-sold PPI AND failure to provide information. Still, whoever takes the case up will be kept busy at least.

[LloydsTSBLiars]

Thanks to you both. Nice to see I'm not the only one.

[TheMessiah79]

I agree Lloyds TSB treated me like crap as well.

Now with HSBC who I find are much better

[LloydsTSBLiars]

Tell me about it. If you've been through it, you start appreciating just how frustrating they make things when they hit a problem they don't want to deal with.

Thing is, I was stupid enough to continue paying for a while, then they just got a little bit too arrogant with how they were handling things. Then, I decided to start biting back, which they didn't like.

Apparently, their profits have gone way down for the first half of this year - aahh, diddums...

[bigkennyj56]

i totaly agree wit you! i had a payment plan with them to pay back an overdraft several months later i got a letter saying it expired and is now an unplanned overdraft and they would be charging me £20 a day plus monthly charge of £15 when i phoned i was getting transfered to multiple difrent numbers and evry one of them said it wasnt to do with them and transfered my call fuck that now im taken legal action with a claim company i am sick of these cunts taking the piss!

[LloydsTSBLiars]

The Unfair Terms in Consumer Contracts Regulations 1999 No 2083 makes this clear. Funny you should mention driving offences - the legality of speed cameras is also now being contested.

So, just think -- that fine (admitted or not) could be judged as unlawful and you might stand a chance of getting that £240 back. Remember where you're living -- drivers get shit on just as bank customers do, and that money's better off in your pocket, right?

Finally, 'thereputic' should be 'therapeutic'.

[LloydsTSBLiars]

Firstly, the DD in question was cancelled by myself (with the company AND the bank) in writing, and both gave me false confirmation that cancellation came into effect.

Secondly, I was questioning various aspects of the account, but payments were being maintained. Once I with-held payment, it was passed to a collections agency within a month -- hardly a long time.

Thirdly, when did anyone give banks the authority to levying fines on customers or more to the point, to profit from doing so?

[MrJungle123]

If your account has been passed to a "collection agency" then it is not just a simple case of charges. Your account will have been in trouble for a LONG time.

@ 9 mins 30 secs you mentioned the word "thereputic"... ... It's a bank, not a massage parlour. I've been charged before, I know how it feels. I have also been clocked doing over a ton down the M3 and lost my licence for a couple of weeks with £240 costs. So, I exceeded the limit and got fined. Yes. It is the same.

[LloydsTSBLiars]

gingerpie62 - Sometimes, getting overdrawn can be the fault of a bank (unauthorised direct debits, and such like).

I take it you must work for a bank, which can be the only explanation for the simple-minded fucking tool that you are.

[MrJungle123]

Well I work for a bank. A Direct Debit is set up by a customer and a company. The bank will agree to the mandate sent by a company (e.g council rates, Phone bills, gym memberships etc) if a DD is unautorised then it has been set up by someone else on YOUR account. That is unauthorised. Therefore it is fraud. The bank will help you here. If it is YOUR Direct debit then it is your own fault. Don't set up a Direct Debit if you can't afford to pay it. Simple.

[gingerpie62]

get a bloody life, if you didnt go overdrawn you wouldnt get charged you thick tosser

[mdhayter1]

I am happy with LLOYDSTSB. I think they are one of the better banks on the high street. The real crooks are Halifax and Barclays.