LLoyds TSB branch sell off - For customers who wish to stay with Lloyds

Jaycee_Dove

niklam wrote: »

Hi there,

We have been trying to talk to lloyds for about an hour or so now and we are getting nowhere. As part of the plan to split TSB from Lloyds we have just been informed that my hubbies account will be one of the ones affected. he has a Credit card attached to his current account.

The statement for may said that we had to make a payment by 6th June, and we made it on the 28th May. Following that, Lloyds seem to have issued my HUbbie with a new cc number and set up a new direct debit, which they used to collect the minimum payment on the 31st May. We have yet to receive to new credit card through the post and only recieved a letter dated 'June 2013' stating that he would receive a new card this past week. My husband did not authorise the new direct debit, although one already existed for the original card no (we now have 2 direct debits on his current account).

We are hoping that we can reclaim the 2nd payment under the direct debit guarentee. Has anyone else experienced this? LloydsTSB seem to have really mucked up with this separation stuff. We would be grateful for any advice anyone can give.

Cheers

Niki

I have a credit card as well but there was no need for this to be altered as I was told it was independent of my bank account (which was quickly and easily transferred - see earlier posts).

So I am still using the same card with my 'new' account and paying by cheque. Maybe that is a way to go?

All my direct debits (including a 6 monthly one as well as several monthly ones) were transferred between accounts by Lloyds without any problem or request for details from me.

interlog

Thanks for that speedy answer though it doesn't quite answer the question whether a "premium" account was easy to come by.

I don't mind being credit checked but would hate to lose the benefits of the platinum vantage account (travel/mobile insurance and AA membership mainly).

Will give the bank a call in the morning and see if they can provide some guidance on this matter.

stclair

I would be interested to hear if anyone has "actually" been credit scored for their new accounts?

jonesMUFCforever

interlog wrote: »

Thanks for that speedy answer though it doesn't quite answer the question whether a "premium" account was easy to come by.

I don't mind being credit checked but would hate to lose the benefits of the platinum vantage account (travel/mobile insurance and AA membership mainly).

Will give the bank a call in the morning and see if they can provide some guidance on this matter.

Lloyds are currently NOT offering premium accounts in branch but it is available on the internet.

jonesMUFCforever

stclair wrote: »

I would be interested to hear if anyone has "actually" been credit scored for their new accounts?

I know of somebody who had a basic account that was declined an account.
They had to close down the basic account first then go back into the branch next day to open a new account (apparently you can only hold one cash account). So yes they are being credit scored.

MoneySaverLog

Got 4 Classic Accounts with Vantage option. My branch is not being sold, probably get turned down for a 5th ;-)

I'll wait until the split, then open a TSB account.

minimad1970

stclair wrote: »

I would be interested to hear if anyone has "actually" been credit scored for their new accounts?

I was when I phoned to open my new account.

stclair

minimad1970 wrote: »

I was when I phoned to open my new account.

Has the search been recorded on your credit report?

Lenders will sometimes say they are going to credit score you but actually don't.

MoneySaverLog

Lloyds are a funny bunch. They don't appear to credit check externally. I've got a OD with them which I've increased and a credit card again limit increased and no external credit check appears.

Believe they get a feed from the credit reference agency for each customer but this does not show up as a search.

[Deleted User]

I decided not to wait for a letter authorising my switch to a branch staying as lloyds as I had been waiting far too long. I made an appointment at a branch not being sold. They opened a new account and then closed my old accounts. Result!