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Lloyds TSB - can they do anything right?

Do Lloyds TSB try to get everything wrong?

I looked on internet banking and they have a "forecast" tab. When I look at the numbers for the next few days they don't take into account bank charges that I have been informed of weeks ago. I phoned their Help Desk and they said they didn't take that into account! I said I know and I was saying it is wrong not to.

Under the "forecast" tab there are two tabs: "Forecasted cleared balance" and "Forecasted payments". I explained that the word should be "Forecast" not "Forecasted". Lloyds TSB disagreed with me. They don't seem to know that "forecast" is an irregular verb, meaning that its past forms don?t follow the general rule of adding "ed" to the base. Do you say "I putted the rubbish in the bin" or do you say "I put the rubbish in the bin"?

I also didn't like they way the take charges out at the end of the day instead of the beginning of the day. At the beginning of the day it is possible to see the charge and do something about it. This is not the case at the end of the day. I have to keep my own records to deal with it.

I use the Mitcham branch of Lloyds TSB and it has a screen behind the cashiers which displays adverts and other rubbish. Until 11 am it shows "Good morning" and from 11 am it shows "Good afternoon".

You may think the above are minor points but if they can't get the obvious little things right are they likely to get the more important things right? I would think not.

Reply to
Peter Saxton
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What's the point of having the bank provide a forecast? You're the only one who can forecast what will be going in to - and particularly out of

- your account because you know - or *should* know - what you're about to spend money on.

Why do you pay charges - presumably because of unauthorised overdrafts? If you keep proper track of your finances, that should never happen.

When you've sorted *yourself* out, you might have time to worry about the grammar used by the bank!

Reply to
Roger Mills

In message , Peter Saxton writes

That's probably a deliberate ploy to drop you in the red again! ;-) I don't get bank charges because I do my own forecasting. I have all my regular transactions on all my accounts in a program called Winmoney, which I have used since it was a DOS program.

I always look at least a month ahead to the balance before the next pension payment, and that enables me to judge how much I can transfer into my ISA at the beginning of the month, rather than the 'find' out what's left.

Admittedly I have the time to do this because I am retired...

Reply to
Gordon H

I think it's dealing with cleared funds.

You presume wrong. This is a business account and there are charges whatever the balance.

You are a fool. You should consider thinking before insulting. I'm not sure you are bright enough to think, though.

You give the impression you are one of these people who is so inadequate in real life that you need to insult people over the internet.

Reply to
Peter Saxton

In that case, I apologise - but you could have said it was a business account.

Trading one insult for another isn't going to get us very far, is it? I may not have understood your initial post fully, but I stick by my assertion that you're better placed than the bank to produce a forecast.

Reply to
Roger Mills

Ditto, except that I use Quicken98!

Reply to
Roger Mills

That's modern, I must have bought MoneyManager (now Winmoney) around '91. :-)

Reply to
Gordon H

I was actually using Quicken before 1998, but not as early as 1991. I started with Quicken 5 which came free on the cover disk of PCPlus magazine. Quicken98 was the free 'Millennium-proof' update! Amazingly, it still works ok on Windows 7 - except for the invoice printing bit, but I don't need to do that any more.

[I did use something else prior to Quicken, which was almost certainly DOS-based and which again came on a cover disk, but I can't remember what it was called.]
Reply to
Roger Mills

Quicken was very popular in those days, I never encountered anyone who uses Winmoney, maybe they think it's a Casino program. :-)

Reply to
Gordon H

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