I had a student account with Lloyds bank with a £1500 arranged overdraft. They decided to remove the overdraft without notifying me even though I was still studying at university, thus putting my account in arrears and destroying my credit score. Their attack dogs at their credit department then starting calling me multiple times a day making threats and trying to comment on my personal finances. I will never go back to this bank as long as I live. Absolutely disgusting service and my credit score is still half what it would have been even though I paid off the account months ago. Avoid at all costs!!