Went through with opening an account with Lloyds for the first time, under the switch guarantee. Everything on my old account side completely fine, once with Lloyds no end of problems with their systems. Multiple phone calls, involving being passed around various customer service departments each with long wait times and promises of feedback or investigation then not met. I have had zero feedback from Lloyds as to what is going on. I have already initiated switching this account away from Lloyds. Extremely poor (non-existent) customer service, will not be coming back.