LTSB Staff Overide Computer ?

mikesten

Hi,
I'm sure this has perhaps been answered before, but after a good trawl through the forum I can't find an answer.

My main account is with Barclays, but after some consideration I would like to change to Lloyds TSB. I hold a standard account with them already but would like the Gold Account. However, on my internet banking I am only given the option to upgrade to Silver.

My question is if I call into my local branch, would the staff be able to overide the computer to allow me to have the Gold Account?

Thanks
Mike

bengalknights

Yes they can easily do that in the branch.

http://www.lloydstsb.com/current_accounts/added_value_accounts/gold_serv_current_account.asp

try going through above upgrade link though to see if that allows it.

mikesten

Thanks, but the link only takes me to my Internet Banking page, and as I stated in my first post, the only option I have is to upgrade from Classic to Silver, hence me asking if the staff can overide!

heloid

Just call them.

mikesten

Whilst "Just call them" is sound advice, and a course of action I will be taking, I was under the impression that the point of forums such as this was to share experiences and knowledge. Perhaps someone who has been in a similar position could advise me, and maybe save a phone call.

simax

I called them a few years back when I was in same predicament. Due to a marker on my account Silver was the highest account I could have, even though I didn't want the O/D and I wanted to pay them more to have the Gold account.

Suffice to say I no longer bank with them.

GlamGirlie

mikesten wrote: »

Whilst "Just call them" is sound advice, and a course of action I will be taking, I was under the impression that the point of forums such as this was to share experiences and knowledge. Perhaps someone who has been in a similar position could advise me, and maybe save a phone call.

Previous comments have already confirmed the staff can do this, and how!!!!

Bosie

simax wrote: »

I called them a few years back when I was in same predicament. Due to a marker on my account Silver was the highest account I could have, even though I didn't want the O/D and I wanted to pay them more to have the Gold account.

Suffice to say I no longer bank with them.

simax, have you read my post about getting a Bank of Scotland Silver account, but won't issue cheque book? Well, online banking/telephone banking can't. My credit is pretty good, clean cra reports, 0% credit card, loan. They are a weird banking group:j

Mikhail

mikesten wrote: »

Hi,
I'm sure this has perhaps been answered before, but after a good trawl through the forum I can't find an answer.

My main account is with Barclays, but after some consideration I would like to change to Lloyds TSB. I hold a standard account with them already but would like the Gold Account. However, on my internet banking I am only given the option to upgrade to Silver.

My question is if I call into my local branch, would the staff be able to overide the computer to allow me to have the Gold Account?

Thanks
Mike

Why do you want Lloyds' gold account?

mikesten

Looking at the cost vs benefits, I feel the Gold Account is the one best suited to my needs

izools

You may find you have a high internal risk score and / or a CPD marker on your account.

I had this with LTSB for two years, all I could get was a Silver account and no higher, and was pre-declined for any form of credit from them due to the presence of a "Credit Policy Decline" marker on my account.

The account was run flawlessly, good turnover / average balance etc never incurred a penny in fees.

Then one day all of a sudden the marker dropped off, I had the option of Gold, Platinum, and Premier online and my Overdraft limit had gone up from £150 to £3,000... overnight.

They are indeed a weird banking group, their credit scoring techniques are... unique.

Oh, and they can't override the CPD marker / risk status in branch or over the phone I'm afraid.