I find that the Lloyds Business most managers are unethical and unhelpful.I started my business in October 2011 so I had 12 0r 18 months free banking after that they started to charge me the service charges every month average of £40 a month. Time to time they were sending me a letter saying to change my tariff to reduce my cost. I am not a very smart person and did not know how to do it either? So I had asked the business manager to change the tariff to the suitable one in more than 3 occasions. I even told them every time that I am too thick and don't understand also do not know how to change my tariff but they did not help. A few months ago they have charged me almost double the amount of my normal monthly charges.So, I rang and spoke to the business manager and he told me that was an error so he wiped the whole charges for that month and put me on a new tariff which is now costing me about £15 a month average which is a £25 a month average saving which is very good for a small business.I had recently raised a complaint about my previous high charges had taken by the bank and they have declined to pay the over charges. I am going to take this matter to the Financial Ombudsman also hope and pray that FCA should look into the high over charges taking by the multinationals Bank just like the PPI. So please if your tariff is not right then get some help and that will save you lot of your hard earn cash.