Lloyds made error, now I need to work to get refund

emma396

Hi guys,

Not sure if I'm being petty and annoying or not? Anyway, I opened a lloyds platinum mastercard in oct when I visited the branch, she sold it to me as 0% on purchases for 3 months. Unfortunately the 0% hasn't happened and they don't seem to be able to add it to the account now. I've had the first months interest refunded and an extra £5 which she said would probably cover next months interest, the statements shows estimated interest as £7.32. I visited the branch I opened the credit card at today and explained the situation to one of the ladies. She promised she would get back to me today and has. The solution that I've been offered is that the next 2 statements I get, I send to the branch and they refund me the interest. I asked if this could be done automatically since it wasn't my error, but apparently not. Is the solution of sending the statments fair?

never-in-doubt

If you want a refund then yes send them in. You shouldn't have to, true - but still i'd do it if it saves you money!

Not petty at all - you're within your rights to ask for a refund, but in theory you could close the account for misselling....

leanneslow

lloyds are RUBBISH!!!!!

chattychappy

Unless it's a great hassle, I'd just send them in (or at least copies). Yep you shouldn't have to - and their system does sound like rubbish. Nevertheless, some human being is willing to circumvent their system manually to get something that approximates to what you were promised.

She promised she would get back to me today and has.

These human beings need to be encouraged!

jonesMUFCforever

You are lucky as this is a card services department error not a branch error (I think) so the fact they are doing this for you shows great customer service I would have thought - or have I missed something?

Branches do not have access to credit card statements.

td_007

emma396 wrote: »

She promised she would get back to me today and has. The solution that I've been offered is that the next 2 statements I get, I send to the branch and they refund me the interest. I asked if this could be done automatically since it wasn't my error, but apparently not. Is the solution of sending the statments fair?

This works on two levels - Lloyds admits there is a mistake and are helping to set it right - which is commendable given the generally shoddy service we get from banks. This ofcourse means that you have now have to put in time,effort and money to protect yourself from "loss". You could therefore follow their suggestion and then also put in a request for compensation for the time/money/effort along the lines that the bank would have made. To me it only seems fair that the bank provide a "goodwill gesture"

emma396

Thanks for replies guys, I'll bear all your suggestion in mind. I think it was branch error rather than card services.

jonesMUFCforever

The only way it could be a branch error would be if they had ordered you the wrong card.

emma396

correct card, but 0% on purchases was not put on the account. not sure how....

jonesMUFCforever

emma396 wrote: »

correct card, but 0% on purchases was not put on the account. not sure how....

That bit would be done by card services.