Gotta say I agree with the crooks statement, Lloyds are all very well when it comes to face to face service but are too small to run their own card services so a huge part of their busines is actually with NBD.
This is where the fun begins, their card fraud precautions are appalling, I lost 14.000dhs off the credit card in 3 transactions in Argentina before christmas, they didn't pick it up at all despite the fact I was using the card between those transactions in DXB, I had to tell them.
And when fraud occurs? They take 3 months to refund the money, except when the lose the paperwork and then it takes much longer.
HSBC have an excellant service to sms whenever the card is used and citibank call me every time I use the card OS both good services to have, both citi and HSBC have good online services but their branches are in Bur Dubai and always packed.
Lloyds loan services are pretty expensive as well so I'm afraid no easy answers