CB Banks Lloyds Bank

Lloyds Bank review: Lack of service

Paul PAVLOU of CY

Mar 29, 2026 1:40 pm EDT

Verified customer

Featured review

Appalling service and disrespectful, unprofessional and nonchalant attitude
Reference BCA 0392343
Dear Sir/Madam,
It is with much sadness and disappointment that I feel the need to report a serious lack of service and uncaring approach when I applied to open a business account.
I have been banking with you for several years in my personal capacity and I am a shareholder of Lloyds Bank.
I recently set up a company to conduct my future business.
I visited your London Enfield branch on Friday 20th February 2026 to apply for a business account and was served by a very helpful lady.
I gave her the documents from Companies House and my debit card. She spent one hour of her time helping me prepare the application. My address is 22 Beechdale London N21 3QG and she asked me where in London that was and I said Winchmore Hill. Therefore she included it in my application not realising it was not included in the address held at companies house. It was not a serious ‘mistake’ but apparently serious enough for your business team to cancel my application and ask me to submit a fresh application. I did not know how to do this without help.
When I called and spoke to your team I asked both members of your staff that I need help with a fresh application and they both clearly tried to fob me off. I had to call back 2 times and was kept waiting for a long time.
Your complaints Manager (from Customer Services LS78 1LB – her reference BC [protected]) does not mention in her letter that nobody bothered to offer to help me complete a fresh application.
Therefore her response to my complaint did not cover the crux of the matter which was that you were not willing to help me reapply. All that had to be done was to remove the words ‘Winchmore Hill’.
I find this totally unacceptable.
In her reply Ms Clarke did not give me an option to respond to her letter by email to explain why I am still very dissatisfied with her reply and lack of service. She just sent me a cheque for £50 and gave me a telephone number and an address. I did not wish to further delay this and incur further expenses trying to contact you in one of those two ways.
After my application I also had to confirm my identity to you several times which was onerous and very frustrating. I would like to know why none of your staff offered to help me re-apply.
Yours sincerely,
Paul Pavlou

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