Lloyds cut my overdraft facility from £2000 to £400 without consultation because I hadn't used it. I'm sure it was in response to Covid-19 because I'm self-employed and they believed I might be a finance risk. I made a complaint but the guy at Lloyds who dealt with it was arrogant and unhelpful beyond belief. They promised this would not effect my credit rating but since they did it my credit card offers have dried up. I feel demeaned and belittled by their action as though I am not to be trusted. It has effected my self respect and confidence. Their 'By Your Side' advertising is a joke and they ought to be done under trade descriptions.