New Lloyds Vantage current account

Archi_Bald

steady__eddie wrote: »

he persisted saying that under the T.S.B. regime, the T + Cs could be changed at any time. I won in the end but wondered if there could be any truth in his assertions ?

There is nothing wrong with the assertions - - TSB could indeed change the T&Cs any time (giving some notice for any changes to take effect). Same is, of course, true for Lloyds, so from that point of view, he was wasting your time. Well done for getting your accounts opened.

PS. If you need, and can do, any more: you can open them on the phone.

Masomnia

steady__eddie wrote: »

I found myself unusually awash with cash yesterday, a bond had matured on Saturday and as a "valued" customer I did not want to avail myself of 1.8% gross for the next couple of years which they had so generously offered me. Being a "valued" customers of Lloyds with currently only one Vantage account I decided to open another 2. I'm on holiday until Thursday so I popped into my branch this morning, interview req'd, everybody on holiday, no vacancies until next week. Went to another branch, same story. Third branch, success, pop back in an hour and someone will see you which I duly did. Advisor did his utmost to talk me out of my intentions. I am aware that nobody wants our cash nowadays with funding for lending but his reasoning ran along the following lines, w.e.f. the 9th of September his branch will become part of the T.S.B. group while my account holding branch will be Lloyds. This could cause a "conflict". I explained that the monthly £1k funding requirement will be from an external source, (well for a couple of seconds anyway) but he persisted saying that under the T.S.B. regime, the T + Cs could be changed at any time. I won in the end but wondered if there could be any truth in his assertions ?

I can't imagine how there would be a conflict. It's not they don't want your money, they just don't want to pay you 3%pa for it!

I imagine he just knew full well you wanted to use it as a savings account and wanted to discourage that.

missile

I found opening Vantage accounts on line was much quicker and avoided all those tiresome sales oriented fact finding questions one gets in the branch and to a lesser extent over the phone.

Archi_Bald

You were lucky there - I was only allowed 1 online and had to do the others on the phone / in Branch.

Gromitt

Archi_Bald wrote: »

You were lucky there - I was only allowed 1 online and had to do the others on the phone / in Branch.

Same here, but at least with a phone call you can just put it on speakerphone and let them waffle on about credit agencies and terms and conditions whilst you do something else, so it really only takes about 2 - 3 "real" minutes.

hunsbury0

I have 3 x lloydsTsb Vantage a/c s but now they have been converted to TSB Vantage only.

Can I now open 3 x Lloyds only vantage a/c s even though I have 3 x TSB Vantage a/c as I technically no longer have Lloyds a/c s?

Also, can open 3 x Bank of Scotland vantage a/c s as well?


Thank you

Steve_xx

hunsbury0 wrote: »

I have 3 x lloydsTsb Vantage a/c s but now they have been converted to TSB Vantage only.

Can I now open 3 x Lloyds only vantage a/c s even though I have 3 x TSB Vantage a/c as I technically no longer have Lloyds a/c s?

Also, can open 3 x Bank of Scotland vantage a/c s as well?


Thank you

Yes that's an interesting question. And one I don't know the answer to. But, I'm going to try getting some TSB accounts once the site goes live, especially if their accounts can also have Vantage added to them.

YorkshireBoy

hunsbury0 wrote: »

Also, can open 3 x Bank of Scotland vantage a/c s as well?

I have 3 x BoS Vantage as well as 3 x (soon to be) Lloyds Vantage, so I don't see why not.

I'm hoping I can soon have 3 x TSB Vantage too, but we'll find out soon enough.

ejv

YorkshireBoy wrote: »

I have 3 x BoS Vantage as well as 3 x (soon to be) Lloyds Vantage, so I don't see why not.

I'm hoping I can soon have 3 x TSB Vantage too, but we'll find out soon enough.

Have these to be applied online separately?I tried to apply for another after logging in my BOS vantage and was declined.:o

roxy28

Others say the 2nd and 3rd should be opened by phone.