Lloyds increased my overdraft charges by 785% when my mother was dying of cancer & I lost my job trying to help her. Soon after she died I was diagnosed with cancer & whilst undergoing treatment Lloyds foreclosed on my overdraft (although I was paying a proportion of the collossal monthly charges) & caused so much stress I had to have an extra 4 weeks of treatment. They blocked my credit card too although I had never defaulted on payments. I tried to pay in a balance transfer to lower the Lloyds debt & was unable to because the Lloyds branch refused to update my telephone number on my account. I am 58 with 2 degrees & I was spoken to as if I was a school child. Avoid this bank like the plague.