My experience with L&C so far has been nothing short of a nightmare and we are probably going to lose the house we want due to their appalling customer service. Everything has been so slow. It has taken MONTHS to just get to the point where we are submitting the application. They ask a question then after answering we hear nothing for days and days only for a different question to then be asked. The team members are constantly going on holiday so you get passed from pillar to post or even worse, your case is just left hanging with no-one looking at it. The first person we dealt with Shannon had no clue what she was doing. Absolutely none. Her team manager was as clueless. Bearing in mind we had submitted a very strong complaint about our treatment an email was sent asking a question which was not answered correctly (we gave them an account number which was too long as we added the 01 on the card onto the end, it took them SIX DAYS to contact us to say this isn't correct. SIX DAYS!!!! I cannot stress strongly enough to avoid them or lose the house of your dreams and make yourself ill with the stress of dealing with them.