Horrible phone service. I tried to switch to Lloyds but it failed. The message they sent me included a wrong telephone number which was not the LLoyds switching team but Halifax. And after I got the correct LLoyds switching team telephone number through internet service, it took forever to get someone to talk to. The worst part was when you got through the hotline, the category selection was so unclear that you could easily go to a wrong category. The staff was not helping at all. They said to transfer my call to another team but they just transferred me back to the category selection so I had to manually select another category and wait for someone to pick up the call again. Not to mention in the first 3 days I failed to get someone to talk to. I could never reach anyone in the afternoon. I had to get up early to make the phone call eventually. It was a horrible experience.