Homeowner

Jul 4, 2025

Unsatisfactory Lloyds Service

Lloyds I went through the loan process (on-line), which was agreed in principle. I later decided that I didn’t require as much, so decided to reduce the amount I wanted to borrow. However, the bank then declined my application, stating that I should telephone them - which I did. I checked my credit score with them and I have an excellent score, only just off the maximum. I telephoned them as suggested and went through so many questions, of which I felt some of them were intrusive and irrelevant. Finally the bank employee informed me that my application had been declined, but they were unable to tell me why. The employee told me that I should get a copy of my credit report to try to understand why. I did this and my credit report is clear - so no outstanding debt at all, I have no mortgage or rent either, and I have savings and investments. To make the matter worse, the following day I went to the bank branch to pay some money in (the branch is 9.5 miles away - a further 5 miles after they closed my local branch). When I got to the teller, I was informed that I should pay the money in via the self-service station, I replied I wanted to pay the money in in-person as I preferred this method. The bank teller then informed me that this time she would not make me go over to the self-service station and deal with my request. I paid the money in and requested a receipt, however, she said that they don’t issue these, that I would have to go online and print it out, or go over to the self-service station and log in and request an account balance! I informed her that I wouldn’t be doing this, and that I felt Lloyds are just making banking more difficult for people. I also told her that I had experienced poor and unsatisfactory service from Lloyds the previous day. She didn’t comment on anything I had said, just used my name and thanked me!