Got to say Rich - I dont know why you expect any service at all when you are proud of paying nothing for it. The argument about account balances simply doesnt work when the government is flooding the banking system with QE. Basically the banks dont need you ( or me for the same reason) and its only the big bureaucracy that stops them saying " sod off" to both of us
Good reason why you should never invest your money in bank shares - the big banks simply arent going anywhere
I too have not "paid / charged" for my banking service from Lloyds, and am also "proud" of it as it means I manage my money.
We live by the adage of of you can't afford it - we can't have it - simple
I say I haven't paid for my banking service - but we all do! - Who bailed out the banks during the outfall from the Lehmann's crash - we did - the taxpayers
Plus, every month my bank gets x thousands of pounds from me (and has done for the last 40 odd years) and invests it - I get something like 0.5% interest - or even less. They make more out of my money, than I do out of it.
Conversely we do pay 2.5% of my investment to Close Brothers who manage our Asset Managed Portfolio
If Lloyds paid a decent interest rate - I'd pay them to manage it
