Last time I went there I sat with an agent on a nice sofa just next to me.
She was using her tablet, did ID checks from there, asked me for any LBG card if I had one on me, she keyed in the digits, verified. She then talked me through my issue, put a note on my account as requested.
Experience felt personal and there was no appointment I just waked in.
That was around 2023.
Lloyds are really good in branch. Halifax are a different story. I base it off my mum when she passed. Nationwide were the best in branch.
Once again, trying to make a purchase online and my Lloyds credit card declines it. 
I was going to close the utlra credit card after the first year anyway, no point in keeping it once the bonus expires.
I would shuffle off to Barclays but I canât get them to verify my address for the new account.
They have something they donât like about you. 
Yes indeed. Itâs only larger transactions. Smaller ones at the same place go through with no issues.
Iâll probably flounce off to another bank soon.
Is it a physical store or online? Are mobile wallet transactions or chip & PIN also declined?
Online, places like eBay and Xiaomi.
Lloyds say is an automated decline as it looks suspicious but there no way to confirm itâs real, to try again, like other places do.
eBay has Apple/Google pay. Surprised that even mobile wallet payments get flagged as suspicious too.
Exactly my experience with Barclays, the lady opened the account there and then having verified my ID, she set up the app and gave me a code to auth the app. She also showed me how to set up google wallet and how to claim my free apple TV.
At the moment Iâm on a new fly list with Lloyds, they wonât let me back after a ahem⌠few switches
Wasnât aware they do this. FD shouldnât see this otherwise I will be in trouble.
Legitimate question, why would a bank want someone as a customer who constantly switches in and out for the rewards?
My last FD application had to be manually approved. I havenât dared since.
They probably wouldnât but banks donât really encourage loyalty , or at least I donât feel they do, and their savings rates are often poor.
Well given most banks only pay out once, this is more to do with my restlessness than rewards, but a fair question and I think we see this with Starling, Chase, Zopa who take this view
Remember the âgood byeâ payment FD used to offer if you switched in and werenât happy with the service?
I took one of them.
If you ask why I then tried to come back, I wanted to see if they had improved.
But in reality, there was no issue, it was the free money.
Of course it was. First Direct were stupid not to realise that people would join them, then leave as soon as they could, just to nab two bonuses. It was obvious to everybody except First Directâs marketing department.
Iâm permanently banned from RBS and NatWest after opening several RBS accounts just to use for switches.
We need a switching hall of fame.
Lots of us on here have done all of them and are waiting for the clock to reset. The only 2 I havenât had are Halifax and BOS.