Lloyds tsb - I HATE THEM!!!!

changkra

Dylanwing wrote: »

Personal lending department says no....

As I say, Numpties lacking common sense and discretion. I mean, a whole £200 with a risk factor of 0.01%, this could end Lloyds as a Bank!!

As regards cashing a cheque, most places do a cash til' payday option where they cash a cheque and present it 30 says later. If money is delayed beyond 30 days, you can pay a fee and they hold the cheque for another Month. I think Chnagkra was referring to Logbook loans that are entirely different and not a good idea for a short-term loan like this.

Hi
The term logbook loan means nothing to me but the cheque cashing place i was meaning would be something similar to Cash generator, would these be the same?

evergreen

I am sorry you are going through all this at a time when you have enough to deal with.

As far as banks are concerned, my husband and I were with Lloyds when we first got married. We ended up being in red slighly, through their error. However they couldn't/wouldn't do anything about refunding the charge resulting. We carried out our threat and moved to Nationwide. That was over 25 years ago and it was the best thing we ever did. Over the years that move has saved us loads of money, because of the better benefits of Nationwide, such as drawing out money abroad at no change.

liz_uk

I hate lloyds !!

Left them in 1999 to go to Yorkshire bank, who I found were equal muppets - so went to Royal bank of Scotland in 2001 and couldn`t be happier !!

Lloyds initially discgruntled me, by declining a loan for £1000 !.. after this they demanded there £150 overdraft back for no reason.. I was outta there !

I was in full time employment at the time and was not a risk. My dad was even wiling to secure it as I was only 19. But nope !!

Dylanwing

Logbook loans are dodgy loans secured against your car, and usually at high rates. I don't know too much about these, but they seem like a prety bad deal.:eek:
The Money Shop is a cheque cashing agency, handy if needing to cash a third party cheque (To avoid it all going against excess overdraft!) or cashing cheques ahead of pay day. Expensive, but easy and handy.:beer:
BTW, the numpties are not the front-line staff, it's the idiots who have computerised lending decisions with no common sense over-ride allowed - As OP has said about writing cheques for funerals, it indicates an active account with reasonable turnover. In my Banking days of the early 80's, you just used your skill and judgement in these minor decisions, far more accurate. Anyway, Lloyds should be with OP 'For the journey'........:rotfl:
And was it not TSB 'That like to say YES'?:rolleyes:

belleooo

Dylanwing wrote: »

I don't know if it helps, but I was under the impression that funeral costs coule be drawn against the Estate on production of death certificate and funeral bill.

After a recent bereavement we had to wait 18 months before we finally got payment from the executors for the funeral. They kept blaming the Inland Revenue saying they had no other option but to freeze all the assets. The funeral people lost patience and threatened us with legal proceedings etc, as we were next of kin. I had to borrow the money in the end and pay the funeral people interest. You don't really need all this hassle after a death.