HBOS/LLoyds system integration 2 weeks on - positive? negative?

sscott5581

My guaranteed overdraft was £4000 before system change. I asked for a £100 on a new bank of scotland classic and was refused??

chanz4

If you have the above od's which are in your signature, they may think you are over exposed

sscott5581

chanz4 wrote: »

If you have the above od's which are in your signature, they may think you are over exposed

I have always had £1000 overdraft with my Halifax and Bank of scotland accounts for over 3 years. My guaranteed overdraft has been £4000 for over one year.

Lloyds do not report overdraft amounts to CRA's.

whitewater_2

sscott5581 wrote: »

I have always had £1000 overdraft with my Halifax and Bank of scotland accounts for over 3 years. My guaranteed overdraft has been £4000 for over one year.

Lloyds do not report overdraft amounts to CRA's.

If you believe that you are very much mistaken

sscott5581

whitewater wrote: »

If you believe that you are very much mistaken

Believe what?

Each month i have checked my overdraft using 9999 process online and my guaranteed overdraft has always been £4000.

backinbusiness

I think Whitewater was referring to the fact you said Lloyds don't report overdraft amounts to the CRAs.

They do.

glider3560

Guaranteed is only guaranteed for the account you are checking. Opening a new account (as you did) may result in a different overdraft maximum being allowed.

sscott5581

backinbusiness wrote: »

I think Whitewater was referring to the fact you said Lloyds don't report overdraft amounts to the CRAs.

They do.

ENTRY NUMBER: C21
Name:MR
Address:
Date of birth:
Company name:LLOYDS TSB BANK PLC
Account type:Current Account
Started:05/08/2010
Overdraft Balance:£0
File Updated for the Period to:31/07/2011
Status history:
brackets indicate most recent months status [ ]



This account has £1000 overdraft and does not report overdraft amount only the balance used.

opinions4u

sscott5581 wrote: »

ENTRY NUMBER: C21
Name:MR
Address:
Date of birth:
Company name:LLOYDS TSB BANK PLC
Account type:Current Account
Started:05/08/2010
Overdraft Balance:£0
File Updated for the Period to:31/07/2011
Status history:
brackets indicate most recent months status [ ]



This account has £1000 overdraft and does not report overdraft amount only the balance used.

For clarity then, are you saying it will make no reference to your overdraft limit but if you were £345.23 overdrawn it would report the figure of £345.23?

backinbusiness

That's weird - perhaps it depends which CRA you look at.

Which one is the example above Scott ?

BiB