Used Lloyd’s as a business factoring company for many years. Useless. Unprofessional and incompetent. They pretend to be on your side. Ignore the lovely horse advert. I’ve lost everything very quickly due to their mistakes. The new director involved also mistakenly copied me into an email badmouthing me as my world was broken and I asked for help in understanding what was happening. He came in and clearly wanted to prove a point no doubt in being the big man and making a point. From this day things were taken beneath us immediately but they hid with lies what they were actually doing and manipulated the situation. £30,000 a year we gave them for 9 years and all they did was lend money, nothing more. I’ve had a year of legal hell and I’m still not sure if I’ll lose my home. Legal loan sharks I feel and as they are so well known in the corporate world they are trusted. Therefore they can manipulate law against a one man band. Be aware, nasty snakes and ruthless. I’m starting a mission to educate people as it’s been shocking what they have done. Especially in modern times. Stay away from them.