The survey is part of Lloyds TSB's LifeIndex Survey, which assesses how people are feeling or getting on their lives every three months.

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Lloyds TSB Scotland said its survey results for the quarter ending November 2012, suggested the economy was continuing to stagnate.

BBC: Scottish economy 'continuing to stagnate'

The survey suggested that Lloyds TSB, with 30%, had the highest proportion of customers who had experienced a problem in the previous 12 months while First Direct had fewest, with 9%.

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The Business in Britain survey carried out by Lloyds TSB Commercial found that 56% of businesses had reported an increase in turnover in the last six months - higher than the UK figure of 47%.

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