This is a very good point Mark and I rekon the reason they dont buck their ideas up.
I have had nothing but problems with Lloyds but still I havn't changed my business account.
For instance I get charged 37 bucks a month for service charges.
so I asked the dude what services I ha for my 37 bucks
His answer made me laugh like f**k, he said business advice, so I reeled off a (hypotheitical) business situation and he had no answer, he new f**k all about business.
I rekon the best bank out there atm is Natwest, I have an account with them and have no problems at all with them.