Recommend a bank please

[puntabrava]

I have banked with Lloyds for 45 years, the Level of service has deteriorated over the last five years, I have been moved to a belligerent Edinburgh round table of cheap salaried degree holders. I wished to renew a one year lapsed 50k overdraft facility to buy a few secondhand lorrys that are coming off fleet renewal and have a temporary cash flow v outgoing equation issue, Lloyds need £300 to get a re evaluation of a rental property they held/ hold a charge over, the property was last evaluated 10 years ago, i do not know of many houses that have devalued in the last ten years! Between that and no manager and sitting on hold for 20 minutes whenever you ring I have had enough. Please is there anybody who feels they are still receiving a level of service from their bank but without the ten million pound turnover?

 

[puntabrava]

Moderators please re adjust my please.

 

[Hilly]

I have banked with Lloyds for 45 years, the Level of service has deteriorated over the last five years, I have been moved to a belligerent Edinburgh round table of cheap salaried degree holders. I wished to renew a one year lapsed 50k overdraft facility to buy a few secondhand lorrys that are coming off fleet renewal and have a temporary cash flow v outgoing equation issue, Lloyds need £300 to get a re evaluation of a rental property they held/ hold a charge over, the property was last evaluated 10 years ago, i do not know of many houses that have devalued in the last ten years! Between that and no manager and sitting on hold for 20 minutes whenever you ring I have had enough. Please is there anybody who feels they are still receiving a level of service from their bank but without the ten million pound turnover?

I’m also Lloyds everytime I have dealing with them I threaten to move but usually calm down and don’t , they ain’t very good now imo so watching with interest , pun intended .

 

[Stuart J]

Pretty happy with RBS here.

 

[bobk]

They're all shite if you need them .

 

[puntabrava]

They're all shite if you need them .

Thing is Lloyds we’re great, in my mid twenties with no land/ property assets I had a 30k overdraft that was unsecured but I did have a bank manager then.

 

[Renaultman]

Yorkshire almost Virgin here. Also dissatisfied and watching with interest.
Tempted by Starling, if you are just an online number you might as well have online number costs.

 

[bobk]

Thing is Lloyds we’re great, in my mid twenties with no land/ property assets I had a 30k overdraft that was unsecured but I did have a bank manager then.

Them were the days , remember my manager charging me 24% on an overdraft .

 

[Hilly]

It’s a shame banks have gone the way they have , my father had a good relationship with his bank manager , I don’t even have one that I know of , very difficult to work with.

 

[JJT]

Handlesbanken, if they'll have you!

 

[puntabrava]

Them were the days , remember my manager charging me 24% on an overdraft .

mine must of been similar just I never asked, the manager during that period got moved to the non lending/ pension role, I don’t do not think everybody repaid his generosity, shortly afterwards was the period of the one year manager then shuffle.

 

[KennyO]

Could apply for a covid bounce back loan. Probably be easier.

 

[Scholsey]

Handelbank are thought of highly around here, apparently they make a big thing about keeping decisions at local branch level.

 

[Sid]

Coutts?

 

[bobk]

Coutts?

Your bankers ?

 

[Sid]

Your bankers ?

I don't think they do overdraft.

 

[farmerdan7618]

I have banked with Lloyds for 45 years, the Level of service has deteriorated over the last five years, I have been moved to a belligerent Edinburgh round table of cheap salaried degree holders. I wished to renew a one year lapsed 50k overdraft facility to buy a few secondhand lorrys that are coming off fleet renewal and have a temporary cash flow v outgoing equation issue, Lloyds need £300 to get a re evaluation of a rental property they held/ hold a charge over, the property was last evaluated 10 years ago, i do not know of many houses that have devalued in the last ten years! Between that and no manager and sitting on hold for 20 minutes whenever you ring I have had enough. Please is there anybody who feels they are still receiving a level of service from their bank but without the ten million pound turnover?

You're in Wiltshire aren't you?

Barclays if you want a relationship manager, NatWest if you just want to do it all online.

 

[bobk]

I don't think they do overdraft.

Only big ones

 

[Sheepykid]

We are Lloyds currently. Unsure for how much longer though. Had 5 different managers in 10 years. First two were brilliant. They were very interested and involved in farming. Last 3 absolutely awful. One of which they are still chasing I think for fraud. He did a runner and went abroad. Makes me laugh really their role is ‘relationship manager’. Surely they would require some ag knowledge to do this. Or at least want to learn.

 

[Hooby Farmer]

Ring and organize meetings with as many different banks as you can, you interview them not the other way about. In my quite limited but not exactly green behind the ears experience they are all fairly similar. Ask for the decision maker/s to be present during your the interview, zoom call whatever it is. You don't want a a line manager who has to go to someone above to get the ok. I'm looking for a bank right now as well and I am playing hardball because I've nothing to lose. My bank manager rang a few weeks ago, when they heard we were thinking of leaving (ulster bank) wanting to know if there was anything they could do for us.
Edit: they did seem like they wanted to be a bit more flexible.