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Brocca Brad

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Review of the Lloyds Bank, eSavings:

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It was crap if I must be honest

I'd like to share my experience of Lloyds. A few years ago I sold my home in the Euro Zone and transferred 300k € to the UK. As soon as the money arrived at Lloyds I moved it to their Super Saver account to get a bit of interest. First Lloyds gave me only £0.8537 per Euro instead of the average market rate for the day which was £0.8687; I lost £5280 on the exchange rate. Next Lloyds charged me a £5000 foreign exchange fee for receiving my money. Since my Lloyds current account didn't have £5000, I was hit with a £20 overdraft fee. So Lloyds got £5280+£5000+£20=£10300 of my hard earned cash. In return, after 4 months, I got £2.60 interest in their Easy Saver account. Oh yes, and whilst abroad, I couldn't access my account. When I did buy a house in the UK with the money, I had fly to the UK and visit a Lloyds branch just to get my money transferred to my solicitor. Rotten service and legalised day light robbery, the Lloyds black horse is there to trample over customers. I have gone back to First Direct and use Transfer Wise for foreign exchange transactions. very happy with both. went into a branch to submit paperwork for a name change. Had to submit two separate name change forms because for some reason they had two separate profiles for me in their system (which the advisor at the branch said was a system error). One profile was for the credit card and the other was for the rest of my accounts. A week later, the name on my credit card was changed, new card received but no confirmation for any of my current and saving accounts. Call number 1 to the customer service number: They said they'd ask the branch to call me the same day or the next day. Call number 2: Three days later, a person from a branch called, but from an INCORRECT BRANCH. They then advised that they will get someone from the correct branch to call me this time. NO CALL from the correct branch. Call number 3: I called the customer service number. The person who helped got on the phone with their "SPECIALIST DEPARTMENT" who advised INCORRECT INFORMATION TWICE for the reason why the change hasn't happened. They finally concluded that the change was in progress and should be done in the next three days. They advised me to call back if it's not done in 3 days. At this point, it was over a week since I first came into the branch. Call number 4: I re-read the confirmation forms the branch gave me and it says to give the bank THREE WORKING DAYS for them to confirm the change has been processed, so I decided to call sooner than the time they asked me to wait for. The person who helped said I would need to wait because if he calls the specialist department again, they will advise the same thing, ie to wait for 3 days. Call number 5: of course nothing happened after 3 days. I called again and asked to speak to A SUPERVISOR this time. After I explained the situation, this person DID NOT even try to call the "specialist department". He tried to call the branch, they didn't answer the phone so his final answer to me was "YOU NEED TO COME IN TO A BRANCH AGAIN", despite the fact they already have my paper work and changed the information on the credit card. I responded saying that the next time I come in to the branch will be to close the account since I find it hard to trust a bank who can't even get a simple name change right. The person responded saying THERE WAS NOTHING HE COULD DO. This was where it ended today. Worst experience I ever had with a bank. What's worse, the customer service reps were at least a bit more helpful than the supervisor. Reviewed on: 24th April 2015

Review of the Wonga, Short Term Loan:

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Meh it was alright but could have been a big faster if I must be honest

It was a pretty slow submission but it was okay overall great service; Reviewed on: 24th April 2015

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