Lloyds TSB Closed account within days of opening - Advice

sutton111

noah271007 wrote: »

I was surprised to get £250 CG card. That said, i do have an almost top notch experian credit file which they used to credit search. I don't even get a £100CG with HSBC!! (although that is because I have a managed loan).

oh yea I had one with HSBC years back. How long is left to pay on it?

never-in-doubt

noah271007 wrote: »

I was surprised to get £250 CG card. That said, i do have an almost top notch experian credit file which they used to credit search. I don't even get a £100CG with HSBC!! (although that is because I have a managed loan).

My experian was fine until lloyds searched equifax and linked me to some random and then cifas me on all cra's - nightmare! I assume that means they do search equifax....

sutton111

never-in-doubt wrote: »

My experian was fine until lloyds searched equifax and linked me to some random and then cifas me on all cra's - nightmare! I assume that means they do search equifax....

I told you they would transfer across, didn't I. You should have Protective Registration it may stop it happening.

Have you ask Lloyds to remove it yet?

never-in-doubt

sutton111 wrote: »

I told you they would transfer across, didn't I. You should have Protective Registration it may stop it happening.

Have you ask Lloyds to remove it yet?

yea yea ok mate! what is protective registration?

I'll write to Lloyds tomorrow when back in work mate....

sutton111

never-in-doubt wrote: »

yea yea ok mate! what is protective registration?

I'll write to Lloyds tomorrow when back in work mate....

Protective Registration.

You haven't posted your new cards yet!

stevepro82

Hi there i'm new to this forum, i've just been reading this thread and it realy woried me! I've just been in to lloyds to open a Basic 'cash account' and when they credit checked me they offered me a classic account, even though I have a realy terrible credit record (3 ccj's and lots of delinquent credit accounts) I was shocked to be offered a Cheque book, £400 overdraft and £250 CG card. Am i right to worry? When I was in the branch the salesman had a notice flash up on the screen about my credit history and they just rang up head office and over-rode it (I think they thought I didn't notice) Account is now open, mobile phone insurance active and awaiting cards and pin.

sutton111

Congratulations on getting such a great account.

I wouldn't be to concerned because it looks like it got referred and he was told to open the account by an underwriter I'm guessing.

What kind of conversation was held between the too?

stevepro82

It was a long reference number read out from the computer and the person at head office told the salesman whatever the info was, then the salesman just clicked a button to over-ride it. To be honest I was chuffed to bits as i'm finaly starting to get a grip on my finances. I always thought that once you had a CCJ you could forget about getting a normal account.

sutton111

stevepro82 wrote: »

It was a long reference number read out from the computer and the person at head office told the salesman whatever the info was, then the salesman just clicked a button to over-ride it. To be honest I was chuffed to bits as i'm finaly starting to get a grip on my finances. I always thought that once you had a CCJ you could forget about getting a normal account.

You're right they do, you must of been luck then. Well Done.

I have 2 defaults and I find it near impossible to get anything.

What credit file have you checked?

sutton111

stevepro82 wrote: »

It was a long reference number read out from the computer and the person at head office told the salesman whatever the info was, then the salesman just clicked a button to over-ride it. To be honest I was chuffed to bits as i'm finaly starting to get a grip on my finances. I always thought that once you had a CCJ you could forget about getting a normal account.

So he was advised to override it then?

So it wasn't a incredibly long telephone call then?