29 June 2012

Lloyds Are the Winners

I have banked with four different places over the years and have left for various reasons with each of them.  For one reason or another, each bank had a fault which didn't work with the way I wanted to do things, so I always found myself looking for pastures new.  My latest change, 2 years ago now, was to the Lloyds TSB.

I have been one of thousands that have been affected by the almighty screw up with the RBS and the NatWest.  My firm bank with the RBS (I feel for not much longer) so hence my wages are directed from an RBS account.

I was due to be paid on the 22nd of this month and to my horror, not having since the news before I left the house, I arrived at the cash point to find a balance of £1.84.  My wage didn't turn up in my account until Tuesday 26th June, by which time I had missed two direct debits and three standing orders. 

I rang Lloyds to see how many charges I had incurred and what could be done.  To be honest, as with experience from banking institutions I was expecting heavy and multiple charges, applied with the line of "You'll have to take it up with the RBS".

I was however pleasantly surprised, on my first call to them (ever) I was greeted by a warm and friendly representative who practically bent over backwards to help me out and laid out my options for me.

After sorting my banking charges, without asking out he then proceeded to let me know how my account could be run better and therefore easier for me to manage and proceeded to arrange it all for me.

I came away from the phone call a lot happier than when I started it, with a better, more flexible account and any worries I had with regard to bank charges sorted out.  After dealing with either rude or unhelpful people for years with other banks, it is nice change to actually have a bank that helps!

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