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Review of the Lloyds Bank, Car insurance:

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Lloyds Bank Customers - Stay Vigilent and cautious of Financial Products they provide as offers & discounts and stand-up as their own as a banking customers

I remained a loyal customer of Lloyds and previously Lloyds/TSB for many years. Despite poor experiences in recent times I stuck with Lloyds as the local Bank Manger delivered exceptional customer service. I had a packaged bank account and there was a personal data breach via a 3rd party supplier back in '09. Travelling so much with no time to look at the bigger picture, I attempted to forgive this huge issue which incl. my data being stolen. Fast forward to now June 27th 2017 - if I logged onto my Online Bank Account I was offered Lloyds Car Insurance with a 10% discount. Great! However, when I applied I was navigated to a 3rd part site - THIS WAS NOT OBVIOUS until I was half way through my quote. When I received the quote I didn't get a summary of where the 10% discount offer was given - FCA Compliance?. So I rang 01344 number which was fronted as Lloyds Car Insurance but was actually BISL - an insurance broker (search them up and you'll find non compliance of FCA regulations and directive to rectify key issues 2011 incl. admin charges which were unacceptable). I had to find out by calling this number which was BISL and discover the difference between on-line quotation and telephone which was a matter of pounds. So as you read this you're probably going to say okay - and SO WHAT. Well under Digital ecommerce, ePrivacy and FCA rules I understand you should know you're being navigated to a 3rd Party site. Plus and more importantly;- 1. You should also know if when supplying your personal sensitive information to a 3rd party operating on behalf of Lloyds how long, for what purpose and how they will share your information. 2. You should receive a quote that shows where the discount offer is clearly highlighted in the quote re FCA - this did not happen 3. You are automatically opted In (BAD PRACTICE) - for phone, SMS, email, direct marketing. So I deselected receiving email, SMS etc messages the day after purchasing my car insurance. However, I still received a survey. This breaches personal data protection, ePrivacy rules currently in effect already! 4. So okay, I clicked on the email survey I received today 28/6 and was not provided with the necessary options to opt-in or out nor did I see any language that described clearly how my personal data would be used. Plus, the BISL email which was branded Lloyds for a Survey didn't explicitly say this was on behalf of Lloyds at the top of the email. The survey response was branded Lloyds Banking but when you clicked on this you did not get any personal data protection options - Opt-in or Opt-out at this stage. You didn't see BISL until later in the email. and T&C's were in footer at 6 point so not clear. Plus, the form was also corrupted. I'm very surprised and disappointed. When I rang Lloyds to raise these issues - because in the end it will help them avoid huge finds and lose a valuable customer and much more - the response ranged from not our problem ... refer to "Lloyds Group" or they noted and logged my complaint. When you front a financial product via Lloyds Banking you clearly have ownership as a Bank. The response on my concerns ranging from FCA compliance, Personal Data handling varied greatly. Clearly there is much training to be done across the whole group and customer centric focused approach means problem ownership should start at the beginning Vs pass the buck mentality. Lloyds Bank Get Your Act Together on these points above. You clearly have huge issues as examples cited above with a great deal of staff training and education required including GDPR. Non compliance for current personal data protection incl. 2015 and this years is abysmal and you could interpret When I searched on BISL I was extrem Reviewed on: 28th June 2017

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