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HBOS/Lloyds bankrupt bank accounts worries...
BWD_2
Posts: 4 Newbie
Hi there,
I'm new to this site and I have a query.
Two and a half years ago I declared myself bankrupt, after much difficulty I managed to get a Halifax 'Easycash' account. While in the mainstay of my financial trouble a bank account of mine was closed by Lloyds TSB as it ran into difficulty. Recently I spoke to Lloyds TSB and they said because of this they would never be able to offer me any sort of account. My question now that they have taken over Halifax are they likely to want to close my accounts, even if I've run them perflectly since I've been with them. I'm seriously hopin not as it's the only form of debit card I can seem to get!
I'm new to this site and I have a query.
Two and a half years ago I declared myself bankrupt, after much difficulty I managed to get a Halifax 'Easycash' account. While in the mainstay of my financial trouble a bank account of mine was closed by Lloyds TSB as it ran into difficulty. Recently I spoke to Lloyds TSB and they said because of this they would never be able to offer me any sort of account. My question now that they have taken over Halifax are they likely to want to close my accounts, even if I've run them perflectly since I've been with them. I'm seriously hopin not as it's the only form of debit card I can seem to get!
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Comments
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Im afraid thats impossible to answer as it would depend on so many factors, thats all assuming the merger happens.
Even if it does it would take quite some time for any influence from the TSB to filter through to the Halifax side of things
For now i wouldnt worry too much until there is something more concrete to base your worry onThats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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Good question, OH has his money spread between HBOS and Lloyds, so we have a different scenario to you.
Think the one you have to watch is the compensation scheme where if the banks go bust your protected to the tune of £35,000 but with the merging of those two does that mean that if you have accounts with both you only have that one £35,000 protection once instead of twice when they were seperate entities?
Plus what other banking names come under HBOS and Lloyds?
Look forward to other folks answers to your question...
BAAB is it still not been confirmed then the merger?BSC no 192
I know sometimes you feel so helpless/you cant go on/so isolated, well you need never feel that way again as a simple Can you help me please? on here is your first step to that journey of fresh starts, so hello Im Anne, your ? YOU ARE NOT ALONE in all of this, we have all been there, so come join us.0 -
AnnesWitterings wrote: »
BAAB is it still not been confirmed then the merger?
Who knows, as far as im concerned its just another news story untill it actually is finalised, even if it is meant to be happening, there is a lot that could go wrong in any merger, so until the contracts or whatever it is they do are signed anything could happenThats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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Thanks for the advice. Much appreciated.0
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