Can I recommend everyone check their statements.

I have just manually calculated all my Avios which I should have accrued thus far, and all the numbers are out. In fact, even using various ways to put in rounding, I still cannot fathom the amounts Lloyds have come up with. Generally they are giving less base miles, but in one case more. Even averaged out it makes absolutely no sense.

As they have failed to acknowledge our letters and they can't even get our 2nd months statement working on Internet banking despite telling us it would only take 3 days to get fixed, I am going to proceed to raising a complaint with the Financial Services Ombudsmen. My main concern is that if Lloyds cannot even add up, what else is wrong in their systems? Are they calculating exchange rates correctly? Are they putting in their transaction fees correctly?

I realise many of you won't be bothered to check or even raise a complaint, but "almost there" for a bank is not good enough. Banks are about numbers and getting them right. Lloyds appears to fail on this, as well as a number of other areas.

And this is all before I have even addressed the issue of the missing bonus which has still not been credited.

FWIW, the Lloyds T&Cs suggest that the rounding happens at the very end (see clause 2.5 & 2.5):

source: http://www.lloydstsb.com/media/lloyd...011_online.pdf

It really does appear that this bank is staffed by monkeys at best. Considering this is a Lloyds system and nothing to do with Halifax, the bank cannot even blame Halifax for this level of incompetence.