I don't like to leave negative reviews but I am getting increasing frustrated with Lloyds and how they proceeding with changes that do not assist their customers but I'm assuming benefits their profits. Our local branches have gone, I have telephoned regarding an account to be informed I had to go into branch - travelled to a branch only to be told I have to contact customers services. There is no consistence of information between branch and customer service. Would have praised them in the past but not now. Highly disappointed.