With Lloyds now, still a few problems but overall much better. Lost 25,000dhms on a card fraud, but got the money back quickly. Ever tried to do the same with HSBC?...doubt you'd ever see the money back.
Interesting when you say quickly what time frame are we talking about? I have been told it is 3 month minimum and it is now almost 4 months since the fraud happened with no sign of refund.
Lloyds blame NDB and seem to have no leeway to fix the general incompetance on their cards dept, effictively means I cannot use their card when away since it is easily cloned and they do nothing to question transactions, Citi while generally a bit of a pain at least are fast to respond to unusal transactions. Have rattled up loads of Skywards miles over the years as well.