I have had several problems with Lloyds. First of all the customer service is abysmal. You wait at least half an hour to connect a call, even if it is important like a stolen card, then the staff are rude and impolite. In addition to this, the card itself is dodgy. Mine has been retained by an ATM machine twice, leaving me in a very difficult situation. I also receive a very very annoying weekly email from Lloyds titled "We want you to recognise a fraudulent email". How many times do you have to send this! I have opted out of all email communications yet still receive this rubbish each week. Banks are also unethical as they have shareholders that profit out of other people's money - in a building society the company is owned by its customers.