Problem with the lloyds one is that I have a HSBC Graduate account atm and the free overdraft that comes with it is handy to have (well.. not so much since interest rates on ISAs have been turd!).
Does not compute?
I'm with HSBC as well and I literally became a Lloyds customer for the silver account. I've got a DD set up to transfer the £7.50 across every month and other than that I don't touch it.