Fancy Being Taken For a Ride By The Black Horse?

Further to my post yesterday about Lloyds Bank and its offer to me of a loan at 8.9 per cent interest, I spoke again today to the woman who tried to flog it to me.
I actually obtained an identical loan from another bank at 6.4 per cent - that's approaching a third less than the Lloyd's deal!!! - so wanted to speak to the loan arranger to say I would obviously NOT be taking up her offer.

The woman, who turned out to be the branch manager, responded IMMEDIATELY by ALSO offering me 6.4 per cent! Now, call me Mr Picky, if you like, but I then queried why she had not offered me that rate in the first place, as had the other bank. I mean, I could understand trying to match a rate that was a few decimal points lower, even as much as one whole per cent, but two and a half fucking per cent. That is some difference. "It's the bank's policy," she hissed. "I offer you a rate based on your circumstances and then, if you find it cheaper elsewhere, I will try to match it." "Why not try to offer me the best rate in the first place?" I countered. "Funny that the other bank just tried to find me the most competitive deal they could and was not bothered about the competition. You were just trying to screw an extra 2.5 per cent out of me, weren't you?" "No. It's the bank's policy, I have to ....hiss...bullshit....spit......hiss.........blah, blah, blah." Yeah, she means "it's the bank's policy" to try to bleed customers dry wherever possible.

I told her I saw it as sharp practice and that I wanted to complain so she told me to write to her and she said she would forward my letter to Lloyds' complaints department. "Here's an idea," I offered, helpfully, "why don't I just write to the complaints department direct?" Her reply? It's obvious when you think about it. "It's the bank's policy."
Heard it all before - "computer says no"!
Pither has a policy as well. It is to send all spiv, loansharks to Grantham. Lloyds Bank is already in Grantham so I shall now introduce a new policy. I shall allow some condemned immigrants out briefly, just until they start to feel better, and then I shall ram them back in again. Lloyds shall be first to benefit from this.