Dodgy Lloyds TSB

x.sophie.x

Thanks for the constructive advice Richard

LTSB did say that there would not be any impact on credit ratings, but after this fiasco, I'm not sure if I trust that this is correct. I will ask for this in writing.

DevCoder

Why dont you get your credit file and see?

Current accounts are not recorded as part of your credit file.

JuicyJesus

krisdorey wrote: »

Current accounts are not recorded as part of your credit file.

Yes they are. All mine show on my credit file, and some banks record bounced payments or excesses on there in the same fashion as missed payments.

x.sophie.x

I do have copies of credit reports, but the information is not updated in real time. I would have to wait to see if anything negative was added. I don't think it will be as *my* current accounts are not recorded with credit agencies.

However, it may have impacted their internal scoring of me...

pqrdef

When they filled in the application for the joint account, they probably ticked the boxes to say your OH wanted a debit card and cheque book and you didn't. Then when yours arrived you'd think they were for the joint account.

And they probably registered your OH for online banking, but not you, so you'd just log in with his username.

It's a very clever swindle.

But that's what banks are good at.

Incidentally, they lied when they said a current account would help with a mortgage application. If they wanted to sell you a mortgage, not having a current account wouldn't stop them.

Some branches are worse than others. But in many, the culture is entirely predatory. They're the ones that call in little old ladies for financial reviews and sell them something totally inappropriate. Lloyds staff have been driven very hard on sales targets for years.

As for how it could happen, you won't get any change out of the branch. They all know exactly how. They've probably all done it.

Check which accounts you've got and make sure they aren't fee-paying accounts.

x.sophie.x

I just wanted to wrap this up this thread in case anyone else is in the same situation.

We had to write a letter to the director in the end as nothing was happening despite numerous trips into the branch.

Within less than 24 hours we were called by a local (branch/customer) manager - I would just recommend writing a letter.

They gave us £100 compensation.

innovate

x.sophie.x wrote: »

They gave us £100 compensation.

And how did they resolve the muddle over the accounts? Wasn't that the real issue you wanted to have sorted?

x.sophie.x wrote: »

We had to write a letter to the director in the end

Which director did you write to? There's at least 10 people with a directorship in Lloyds. http://www.lloydsbankinggroup.com/about_us/directors/board_directors.asp

opinions4u

innovate wrote: »

Which director did you write to? There's at least 10 people with a directorship in Lloyds. http://www.lloydsbankinggroup.com/about_us/directors/board_directors.asp

Not to mention every senior manager has "Director" in their job title.

Dozens of Local Directors and Regional Directors. A large number of product directors. I bet you're up to 250 as a minimum.