some of the lloyds policies are just AWFUL. having an account with lloyds for over 10 years, now during this corona situation i need a loan badly from the government to help my business but in order to do that I need to have a business account which is not possible to open one at this time. however they said there is an exception and we can help you open one if I want to apply for the loan but i cant cause my company is registered as limited and not a sole trader! what a stupid reason. every other bank help their customers during this situation whether they are a sole trader or limited but lloyds is the only bank that doesn't. I should have listened to my friends and closed my account ages ago in which i will as soon as this covid 19 is over. if your bank does not help you in situations like this then its time for you to look for a bank that supports in hard times. dont open account with them trust me on that.