I’ve had my ups and downs with TSB, mostly due to their internet banking being absolutely ass and randomly not updating my account details for up to a week in any one time.
Anyway, this is the story of where I’ve applied for a house with my Girlfriend, a nice 3 Bedroom semi detached house in a very sought after location in Mansfield, Notts. We get the house and all is good, we decide to get a joint bank account so the bills can all come out of that and so that all the funds can go in and we know jointly where we stand month by month, and then can save accordingly.
We are both Lloyds TSB Account holders, although for some reason I have a Welfare “Cash Account” even though I have £1444 a month deposited in, I have had offers to upgrade but from the past annoyances I was always on about transferring banks to NatWest, who would give me an overdraft.
Anyway my girlfriends heads in to Lloyds TSB on her dinner break and is told by the customer services person, provided we are both account holders we can get a joint account within 5minutes, provided we both come to the bank and bring our cards.
So today, Friday the 24th of August, both my Girlfriend and I book half a days holiday and hit Lloyds TSB to get this joint account so we can sort out bills before moving in to our house on September the 1st.
After entering and being greeted by a lady, we’re told that they are unable to give us a JOINT account due to my account being a welfare “Cash Account”, so I said, “I’ve been harassed by TSB Staff to upgrade my account for ages, upgrade it then”. Her response was fine, and she set about upgrading my account, and turned to me and said, sorry you’re account isn’t eligible to be upgraded.
Apparently a few months ago my when the internet banking was playing up again and Tesco didn’t take the petrol debit out for a few days it caused me to go overdrawn (at the end of the month), which is the reason why they will not upgrade my account?
I’ve been with Lloyds TSB for many many years, I’d never expect any bank to refuse to give me a joint account purely by the type of my current account, nor can I see why I’m being refused an upgrade when it’s already been offered, they give my girlfriend the world and she earns ALOT less than me.
So Lloyds I’d just like to say, I will be moving banks unless I get a telephone call within 24hours confirming that you’ve upgraded my account, and asking us to come in and create a joint account. I now wish I wasn’t lazy and went to NatWest when I was supposed to.
Lloyds TSB, you have to be the worst bank in England (also your interest rate on loans is moronic). And before any smart arse comments about my credit rating, I’ve got a possible £5000 worth of debt I could get myself in to with various other store cards & catalogues, a normal bank account is NOT too much to ask, and some decent customer service should be mandatory.
Contact me via Twitter yeah?, like yesterday.
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Hi, I found your site while looking on Twitter for Lloyds.
They are truly the most annoying useless bunch of bastards.
And I say this as somebody who once worked for part of the company (Black Horse Life). I life in Malaysia now and literally just tried to transfer some money, but yet again they have changed the procedure and I need a special number.
This number will be sent to my address in England – I have lived in Malaysia for two years!!!!!
The amount of times I have had my cards stopped while travelling you don’t want to know.
The sad fact is my bank in Malaysia (RHB) has much better customer service and on-line banking than Lloyds, In two years I have had not one problem, in the same time Lloyds have been a contstant pain in my ass.
Hi Alan;
I know what you mean – another awesome typical example I’ve had was they tweeted me a link to post some details and I got a server error.
The bank is such an epic fail, and their interest rates are nearly double that of NatWest, why? Because they’re robbing bastards!
The only reason I went in there to get a joint account with them was because it was supposed to be super quick (5min job) and really easy with us both being account holders!
Shame the most simple things have to be covered in a billion bits of bureaucracy combined with irrelevant checks.
I can get 24 month contract phones, Catalogues with massive credit limits, rent a house on a 12month contract at £600 a month, but not a normal bank account, its sad.
I hope you’re enjoying Malaysia, its really nice out there!
The funniest thing was when I told the lady that I NatWest was going to give me a £500 overdraft and a loan at nearly half TSB’s Loan APR, and why the hell can’t I just get a standard joint bank account – she just smiled and said you better go to NatWest then! Cheeky daft!
Can’t fault Lloyds. Been with them since 1982. Their website is awesomely easy to use and very well designed.
They are pretty crap, I never get into debt but my main gripes are that firstly I can’t draw cash out anywhere apart from lloyds (the nearest one is 4 miles away and i dont drive…) the internet banking is abysmal, the balance on there is never correct so its pretty much good for nothing, phoned them up about this and they made all kinds of excuses, and if i need to contact them i have the choice of either being on hold (at a premium rate) for upwards of 15 minutes, or go and stand in the bank for even longer watching 2 clerks try to serve a line of two dozen people while i can clearly see the rest standing round chatting and laughing, probably talking about shoes or their weekend.
Their website is pretty easy to use, but only lets you search 3 months of statements at once. Really crap for when, say, you want to find out how much you’ve paid in cash machine charges abroad over the last year… assuming by some miracle you’ve been able to use your bank card abroad.
My latest gripe is the E-saver I setup with them just over a year ago. The name implies to me it’s an internet controlled account, but at the one year mark, when the interest rate goes back to nowt you have to walk in to a branch to get it sorted out. Or just move the funds electronically to another financial institution…