Lloyds Banking Group PLC
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Misleading information!
I've been with LLoyds Bank since 2008, and club lloyds customer since roughly 2014.Thought to finance a car purchase partly with a personal loan. Did a soft search on a Sunday and got 3.9% personalized representative APR and High approval likelihood. On Monday, scheduled an appointment at a branch and checked the rate again: all the same. I was shocked when I found out that the personalized representative APR has gone to 5.7% with the chances of approval Likely! In a space of two days with no changes to the Excellent Experian score and 200 points above the national and local avg score at Equifax! Gutted. Feels like a stub in back. Customer service tried to explain that the APR is representative but didn't even get the point that the representative (!) APR changed with no reason. My fiance banks with Barclays and is completely happy, he's been advising me to switch which I will surely do. Think Barclays will be happy to retain one loyal client and get one more with a credit score above national and London average.