Lloyds Bank Reviews

Name: Lloyds Bank
Rating: 2.55

2.6 Rating 1,186 Reviews

39 %

of reviewers recommend Lloyds Bank

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2.6

Based on 1,186 reviews

Shipping & Delivery
Delivery Methods	Postal Service
Customer Service
Communication Channels	Telephone, Email, Live Chat
Queries Resolved In	Over A Week

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Lloyds Bank 1 star review on 10th May 2025

Marian

Lloyds Bank 1 star review on 6th May 2025

FrancisOlivia 771 At Gmail. Com

Lloyds Bank 1 star review on 5th May 2025

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“I cancelled my llyods car insurance direct debit 2 days later I rang with my debit xard details to make the monthly payment..after going through the hassle if giving my card number etc..the advidvisor said the SYstem wouldnt raje the payment brcause my record shows a dd was pending. The advisor called me back a few days later and said I could pay by card in a few days. All of the information was recorded on my record...I have been pestered in the last few days saying I need to make payment otherwise the insurance will be cancelled.And I would be charged for the months cover PLUS a £55.00 cancellation charge! I will not be renewing my policy with Llyods when the time arrives..”

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Posted 8 years ago

“I would urge all new customer to avoid Lloyds insurance. I renewed my car insurance with Lloyds back in December 2015 thinking that I have a cheap insurance. I provided all evidence of my NCB and then I received an email telling me that I am insured for a year. Apparently I had to learn a hard lesson with Lloyds to learn that my insurance was cancelled in February 2016 without informing me. I was driving on the road for 28 days without insurance and stopped by the police to learn that I do not have insurance. My car was impounded. I had to pay a huge cost to get my car back, 6points and plus increase insurance premium from £800 to £2000 for next 5 year. With all my cost together I have spent £3k. A big stress I never expected with an insurance company. Even though, I paid upfront to Lloyds on my insurance but I am still branded as a criminal; avoiding insurance. Lloyds claims that they issued me with cancellation letters but I never received. I have called Lloyds that they knew I was not receiving letters so that could have emailed or called me. Lloyds policy is not to send emails or call customers if insurance policy is due cancellation. If you try to complain to the manager does not speak to you and person dealing with is the customer services advisor totally unhelpful. Please please avoid this company. I am dealing with ombudsman now to clear my name and get my life back.”

Helpful Report

Posted 8 years ago

“I strongly advise you to avoid this firm's insurance arm if you lead a normal life Their way of discouraging claims is never answering the phone! It is torally shameful.”

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Posted 8 years ago

“I have a car insurance policy with lloyds. Someone rear ended my car this week (not my fault). I made a big mistake of phoning Lloyds to make a claim. I assumed as it was 3rd party fault I wouldn't be penalised. Little did I realise my excess would be payable and I was at risk of losing my no claims discount. I phoned up within 24 hours to cancel the claim as the 3rd party insurer was more than happy to help. Much more helpful than Lloyds to be honest. Today I received a phone call from Enterprise on instruction from Lloyd's offering me a car while my goes in at TWK Thomas in Swansea, as far as I was concerned the claim had been shut down, clearly not. My online service centre also shows a claim logged against me as well. It is not a claim, it is a notification. Lloyds Bank car insurance have done nothing and paid no money to anybody. I have been trying all week to get this removed, customer services pass me back and forth to AXA and the claims department. Nobody at Lloyds Bank car insurance seems to know what they are doing. I'm sick to the back teeth will never use any of Lloyds services again. I last spoke to Olivia in the claims team, who said that the claim hadn’t been changed to a notification only despite my several phone calls throughout the week to both customer services and the claims department. She advised me to speak to customer services to get the claim removed from my self service centre. Something I have already done and nobody has bothered to resolve or action. Quick enough to try and pass you on to a personal injury department, they are very enthusiastic about that matter, Staff are incompetent, Not Helpful and will pass the buck to another department wherever possible”

Helpful Report

Posted 8 years ago

“Having been on the phone for 2 hours 20mins tonight, I have still not got through to your fraud team! Spent an hour on hold to finally hear a voice to be told I had been put through to the wrong dept! Another hour on hold to your fraud team and now I've had to hang up as 2 hours on hold is ridiculous and I have to sleep. I will be changing banks at the earliest opportunity. Absolutely disgusted”

Helpful Report

Posted 8 years ago

“Id rang a few times to disbute a transaction. They were no help what so ever as they asked for lots of information that was time wasting to get for them as id cancelled an order but never got a refund. I emailed as they asked and got a reply 5 days later after emailing numerous of timea to get through to them. Its terrible I dont know how they get paid they dont do there job correctly or even answer to emails on time. So when they got back to me I had already sent them proof of purchase and other picture attachments to prove what I needed too. So they asked me for this again and just didn't sound helpfull at all. I sent it all again and never got a reply. Im on the 8th day and just no help further. And the attitude from a foreign women on the phone the first time was diacusting made me feel I was in the wrong. When in FACT I wanted MY money back from a transaction from aliexpress!”

Helpful Report

Posted 8 years ago

“Bad customer service - diabutes team”

Helpful Report

Posted 8 years ago

“When I opened my bank account I specifically said that I don't want any over draft facilities. I have since then moved from the UK to the USA and have not kept an eye on the balance of the account. I made an order online using my Lloyds account, assuming that I had cash in there, the payment went through no problemo. 3 months later I check the account to find that on that payment (which was a birthday Cake for my gran- the name on the payment was CAKES) I had overdrawn by 47.25! I was shocked to find my account in debt as I was under the impression that that wasn't possible and I had not received any communication from the bank (I was not at the address specified and my mobile number had changed, but surely when they realized this they should have tried email?- they cannot say that they exhausted all communication channels! and even so, if they couldn't reach me, why did they allow the transaction to go through?). So, I phoned Lloyds and asked who allowed the transaction to go though and the response was comical, "Well Miss, we never know whether its an emergency so we let it go through a reviewing process and then accept or decline if we think its an emergency or not". Surely "CAKES" doesn't sound like an emergency? Since going into "Unplanned Over Draft" of 47.25 pounds, I have now had to pay 250.59 pounds with all the "fees" that come along with unplanned over draft. Needless to say I have pulled the plug with Lloyds and shall not recommend them to anyone as I would never want someone who isn't able to pay off the debt, to get into a situation like this. Lloyds, you are a company that is willingly helping our country and people run into Debt that is beyond reparable. LLoyds, I'm disappointed and disgusted”

Helpful Report

Posted 8 years ago

“Impossible to open a bank account. I keep receiving letters, emails and texts asking me to bring my ID document at the closest branch. I did it three times and every time I was told everything was OK and I would receive a confirmation of the actual opening of my bank account. But that never happened. And I keep receiving notifications to show up and bring in my document, but I won't repeat the mistake for the fourth time. Awful service”

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Posted 8 years ago

“More than doubled my premium on renewal (no claims, no accidents, no changes in risk). No explanation offered when I asked why. Insured elsewhere at 50% of renewal quote. Also renewed automatically without sending me notices although I specifically opted out of this when I took out the policy so I only saw this when I got a customer satisfaction survey email...”

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Posted 9 years ago

“I have been also a loyal customer for 15 years, but they have no loyalty or concern for their clients. I have had a total loss claim (non fault) they refer you to an accident management company (Incident Management Solutions)who deal with this in an unprofessional and uncommunicative manner, they lie that they try and get the best deal for you from the 3rd party as all they do is paper pushing, they are not out to get you the best for your vehicle 27K vehicle offered 15K and this was not the 3rd party offer but the accident management company working on my behalf and said they will not try and get anymore for me even with evidence Thanks a lot, money for old rope ...... I'm am now dealing with the third party myself and getting somewhere 4 weeks down the line.... wonder if they will pay me for doing this ... doubt it !!!!”

Helpful Report

Posted 9 years ago

“My mum has been a current bank account holder with Lloyds for 10 years plus and recently took out her car insurance with them. There was no loyalty for going with them. Her car was hit today as it was parked in a designated car space by a lorry who's passenger side door wide open and drove off. Luckily there are some decent people out there who got the number plate of this lorry. However Lloyds has written off her car because the damage was 'too costly' for them. WHAT DO WE PAY INSURANCE FOR?! The car was dented and the back lights were smashed. HOW IS THIS A WRITE OFF?! It has left my full time working mum carless without receiving any compensation for something that was not her fault. DO NOT GO WITH LLOYDS INSURANCE AS THEY WILL NOT COVER YOU.”

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Posted 9 years ago

“**NO LOYALTY** After 10 years with Lloyds/Lloyds TSB extremely horrified that they have no interest in keeping their customers. Complained about some unfair overdraft charges total of £10 and was told "nothing we can do". After saying I was going to move to First Direct, there was no attempt to say well we can look into it further. In hindsight it probably cost the same amount to service my complaint online and on twitter which is just abhorrent.”

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Posted 9 years ago

“Since taking our policy we have had issues sorting out our no claims from prev insurer. Lloyds promised to deal with this in November last year and it still hasn't been resolved! I have been promised call backs and no calls are returned. Iv spent time and money trying to resolve this and as a result have lost my no claims and paying a higher premium than I was originally quoted. Very poor service.”

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Posted 9 years ago

“Been with Lloyds for many years. Banking, house insurance and car insurance. This year my car insurance increased by more than 50%. My circumstances have not changed and I have made no claims. The first person I spoke to could not give me any good explanation for it and seemed uninterested and quite rude which gave me no choice but to look elsewhere. In the end they've done me a real favour because I found many companies that would give me a years insurance for more than £200 cheaper and nearly £70 cheaper than my previous years insurance with Lloyds. I rang lloyds to cancel my insurance and a more experience chap dealt with me and explained more politely that the cost of my insurance had risen so much because basically in my area there had been many claims. I live in a quite village in the Cotswolds but I can only surmise that I must be lumped into an area that incorporates an area that has had more crime in the past year. If there was a more moderate increase I would have excepted such an explanation but more than 50%!! No sorry that's well out of order - it shouldn't be allowed! No loyalty at Lloyds, big company that think they can treat long standing customers with contempt. Lloyds you need to train your staff better in dealing with customers and you need to give more acceptable explanations for your random increases. It's very disappointing when a big long standing company like Lloyds acts in such an unprofessional way. Like I said, they've done me a favour by forcing me to look elsewhere and now I have cover through esure. Lessons learnt: dont stay with one company and always shop around.”

Helpful Report

Posted 9 years ago

“do not waste your time filling out the documents as they are misleading.”

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(Car Insurance) - Posted 9 years ago

“Been waiting Nearly two weeks for my car windscreen to be fixed. No one turned up for the first all day appointment, I didn't even get a phone call to say why. I have now called three times to try make a new appointment and not received a phone call back despite promises! Only changed my car insurance to Lloyds last month, regretting it now!!!”

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Posted 9 years ago

“I had lots of problems with regard to providing my no claim bonus. Their emails were threatening. I had to go and complain to one of the Lloyds managers in the Totton branch. I would have had to pay more for my policy if I had not complained and pursued the matter.”

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(Car Insurance) - Posted 9 years ago

“poor customer service, cancelled insurance without warning, i could have been driving without knowledge of my lack of insurance if i wasn't away at the time.”

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Posted 9 years ago

“Very over priced, beware of over the top cancellation fees £55.00 plus what you need to pay for next installment depending on when you cancel, £25.00 for document change. An employee told me wrong information on phone which swung it for me to leave , got a much better policy else where and saved my self £200.00.”

Helpful Report

Posted 9 years ago

Lloyds Bank is rated 2.6 based on 1,186 reviews