Sort code doesn't match branch where I opened account?

somnerd13

A few years ago my old flatmate and I opened a joint account with Lloyds which we used to pay our bills. We opened this account at the Lloyds TSB branch on Colmore Row in Birmingham City Center and only ever dealt with that branch.

A few days ago I needed to check the address of another bank account I have, and decided to enter the sort code of my Lloyds account (77-85-25) as well, and for some strange reason it listed my sort code as being used at the Kings Heath, Birmingham branch. Thinking this was some sort of error, I checked on the Lloyds TSB website and sure enough, 77-85-25 is the sort code for the Kings Heath branch! The Colmore Row branch uses 77-17-91.

Now I'll be honest, this is not at all a problem as the account has been unused since early 2006 and Lloyds will not allow me to close the account or remove my name, without the authority of the other joint account holder. We parted on bad terms and do not talk anymore, and they are unwilling to ask for his permission to do this so it's a dead end.

I am just curious as to how the account was opened at Colmore Row branch with the Kings Heath branch sort code!?

456789

You should tell them the account is in dispute - this will stop the other guy trying to run up debts on it

somnerd13

456789 wrote: »

You should tell them the account is in dispute - this will stop the other guy trying to run up debts on it

I'm not worried about that happening, I know 100% that he wouldn't do anything like that.

Extant

The branch name/address assigned to a sort code means relatively little these days, and I really wouldn't worry about it.

It could be different for all sorts of reasons, quite possibly internal reorganization.

Paul_Herring

I am just curious as to how the account was opened at Colmore Row branch with the Kings Heath branch sort code!?

Certainly with Lloyds, there isn't a one-to-one correspondence between sort codes and physical branches.

My account was opened in Wotton-under-Edge, but the sort code resolves to (what I presume to be) a larger branch in Stroud: http://maps.google.com/maps/ms?ie=UTF8&hl=en&msa=0&ll=51.696395,-2.239151&spn=0.211099,0.617981&t=h&z=11&msid=112079216145212053773.00046490edd738f986f1c

It is that second branch's address that appears on my statements - which of your two appears on yours?

Extant

Paul_Herring wrote: »

Certainly with Lloyds, there isn't a one-to-one correspondence between sort codes and physical branches.

My account was opened in Wotton-under-Edge, but the sort code resolves to a larger branch in Stroud: http://maps.google.com/maps/ms?ie=UTF8&hl=en&msa=0&ll=51.696395,-2.239151&spn=0.211099,0.617981&t=h&z=11&msid=112079216145212053773.00046490edd738f986f1c

Yep, that's the same with Barclays and I'd guess all the major banks. Some sort codes have multiple locations, some offices have multiple sort codes. 1 Churchill Place, the Barclays HQ, has a fair few.

Reading has 71-03, -04, -06, etc. It doesn't actually mean anything in running the account.

LizzieS_2

somnerd13 wrote: »

I'm not worried about that happening, I know 100% that he wouldn't do anything like that.

As you parted on bad terms and possibly know nothing over how your former friend is now, I would ask the bank to freeze the account (you will not be able to close it, but you will know that neither of you can use it for any payments).

456789

Plus if he runs into debt on his own accounts won't his credit history be linked to yours through that account?

redzhell

LizzieS wrote: »

As you parted on bad terms and possibly know nothing over how your former friend is now, I would ask the bank to freeze the account (you will not be able to close it, but you will know that neither of you can use it for any payments).

I agree with this. It took me a while to close a joint account I had with an ex but it was worth it. For the first few months of us being seperated, he stopped paying bills and they showed on my credit report! Now the account is in dispute, he can't ruin my rating anymore....

jonesMUFCforever

somnerd13 wrote: »

I am just curious as to how the account was opened at Colmore Row branch with the Kings Heath branch sort code!?

Lots of branches have been closed and merged over the last few years. As previous posters have said it actually means very little these days as you are supposed to be able to do anyting at any branch.