I despair of the Lloyds/Halifax 'Internet Banking' ... bit of a joke as virtually all you can do is view the transactions on your account.
I also use Cajamar Internet Banking and am inpressed
With this bank I can do almost any type of banking on-line. I can even send payments to any country in the world in any currency I like at the press of a button and very cheaply too.
Direct debits - no problem - I can set them up, view them, cancel them and even pause them for a while before reinstating. Can print copies of statements and even copies of any of the entries on the statement, credit or debit, at the press of a button.
And this On-Line system is free .... I know several banks that charge for a service that is no where near as complete as the Cajamar one.
They get my vote every time