**POSTING ON LLOYDS AND HALIFAX** My family has been a Lloyds Bank customer for nearly 40 years, and previously they have been great. Really helpful and the managers have been attentive. Recently, we have had many problems with Lloyds AND Halifax which is resulting in us slowly moving accounts. The first issue arose with Halifax when I went to buy a product at John Lewis of £1000 on Apple Pay. Previously with other providers, we’ve had no problem using Apple Pay (Virgin Money & First Direct) and we didn’t think much of it. Only when I went to Halifax to process an online transaction of £210 to M&S is declined again after putting in all our card details. Decided some was up so called Halifax directly and waited for a long time (with no music, just ringing!!) to be connected to a unfriendly advisor who wasn’t willing to work with us and ended up just saying to go in-branch. Went into our local branch and guess what, they couldn’t do a single thing. Ordered a replacement card and that was all. Stuck with a credit card which doesn’t work. It was only when I went to pay at a local garage that my Club Lloyds debit card also declined. After being very confused, we called Lloyds and yet again we’re told to go in-branch. It was also then that my son’s pay a contact started failing too. Went into my local Lloyds branch and it was the worst branch experience I’ve ever had, first of all being told by the staff member that the website was actually incorrect and the Apple Pay limit is £100 not £250, which is not convenient and during covid times not great to start with having to use chip/pin everywhere. This was when things started to go really wrong. When we explained my son’s pay a contact issue, the staff member left us with a phone at the back of the branch on hold for an hour and a half, being passed back and forward between staff who were uncooperative and did not even know their own software! After nearly 2 hours, my son obviously got frustrated and asked how much longer this was going to take and this is ridiculous, and to his dismay, he was called abusive and told not to argue with staff. This was enough, I asked for a complaints contact only to be told there was no way other than yet ANOTHER phone call to Lloyds and we finally found a form online. We were offered £40 compensation by Lloyds and the complaint was settled. This was when we went away and our Lloyds cards started to decline again, over 100 miles from home. Luckily, we found a friend who was able to pay for us throughout our trip. This spoilt our trip completely which we spent over £300 on, and when my son reported it to Lloyds they said it would take 8 more weeks for a complaint to go through, so we still have broken cards and a low limit. Abysmal service and awful attitudes, will be moving as soon as we can. Sorry Lloyds, enough is enough.