I've been with Lloyds for 23 years. Terrible bank! I will be leaving. I have had one loan and never missed a payment, and payed the loans off. I also had two Credit Cards paid one off and closed it down as offers were terrible. Never missed a payment on my current Credit Card in 23 years ! But suddenly, I find my Credit limit balance was reduced from £5, 000 to £250 without any notice. Now I'm in problems because I was planning to pay some bills with it and must scramble to get money to keep my life afloat. No notice and excuses! I've paid them alot in interest too. Any way , I'm leaving you Lloyds, go and mess some other customer and leave them in a bad place when they need it. Definitely not a bank to trust with your money and future.