MSE News: Lloyds launches Everyday Offers cashback: Is it any good?

shaneshaneshane

Clayhanger wrote: »

We have had a joint account with Lloyds for over 30 years. I signed up for the everyday offers and shopped at Morrisons and Waitrose within the specified periods to earn 15% and 10% respectively. Total due was just over £16.
When this did not appear in our account I telephoned them to find out why. I was informed that it was because my wife's debit card was used and not mine. I argued the fact that it is a joint account but to no avail. Even a so-called manager in their Glasgow call centre just parroted about not following the "terms and conditions".
Do they have no idea of the meaning of a joint account?
Do they have no idea of customer service?
Obviously, they are not interested in retaining long-standing customers.

Well both me and the partner both bank with lloyds, we both have a current account each + a joint, she gets 20% cashback at morrisons at the minute with the joint account card in her name, where as I get 5% on the joint account card in my name... but she spends more than me (typical woman! :rotfl:)

matty_544

Clayhanger wrote: »

We have had a joint account with Lloyds for over 30 years. I signed up for the everyday offers and shopped at Morrisons and Waitrose within the specified periods to earn 15% and 10% respectively. Total due was just over £16.
When this did not appear in our account I telephoned them to find out why. I was informed that it was because my wife's debit card was used and not mine. I argued the fact that it is a joint account but to no avail. Even a so-called manager in their Glasgow call centre just parroted about not following the "terms and conditions".
Do they have no idea of the meaning of a joint account?
Do they have no idea of customer service?
Obviously, they are not interested in retaining long-standing customers.

You are not the first to be stung by theses terms and conditions. there has been a previous post about a joint account with halifax and grocery shopping. each cashback offer is linked to each card, not the account. So your presumption of the term "joint account" doesn;t stand. I guess its another person who doesn't read the T&Cs when they should.

Clayhanger

Thank you matty_544 for your smarty-pants comment.
You are obviously a proper banker!
The point I am trying to make is, regardless of Ts & Cs, Lloyds should accept the fact that we made an error in good faith, expecting the offers to apply to transactions on our joint account and not a specific card. They should really honour the payment to a long-standing, loyal customer, not just "another person".
They have not got the first idea of customer service.
It's not as if they have never made any mistakes. We are all still paying for those!
Enjoy your banking career, matty.

Archi_Bald

Clayhanger wrote: »

Thank you matty_544 for your smarty-pants comment.
You are obviously a proper banker!
The point I am trying to make is, regardless of Ts & Cs, Lloyds should accept the fact that we made an error in good faith, expecting the offers to apply to transactions on our joint account and not a specific card. They should really honour the payment to a long-standing, loyal customer, not just "another person".
They have not got the first idea of customer service.
It's not as if they have never made any mistakes. We are all still paying for those!
Enjoy your banking career, matty.

They probably would have made a one-off goodwill payment to you if you had asked nicely. If you spoke to them like you spoke to matty_544, you shouldn't be surprised if the shutters went down.

Also, as somebody who has been banking for 30 years you should know that bank accounts and offers do come with T&Cs. Lloyds T&Cs are generally very easy to find, read, and comprehend.

Sorry, sounds like self-inflicted loss all the way.

GingerFurball_2

Clayhanger wrote: »

Thank you matty_544 for your smarty-pants comment.
You are obviously a proper banker!
The point I am trying to make is, regardless of Ts & Cs, Lloyds should accept the fact that we made an error in good faith, expecting the offers to apply to transactions on our joint account and not a specific card. They should really honour the payment to a long-standing, loyal customer, not just "another person".
They have not got the first idea of customer service.
It's not as if they have never made any mistakes. We are all still paying for those!
Enjoy your banking career, matty.

Try reading the terms and conditions next time.

PeacefulWaters

Clayhanger wrote: »

Thank you matty_544 for your smarty-pants comment.

The T&Cs are the basics of the offer. If you feel that they are unfair in law you can challenge their validity.

But you really should make yourself aware of the T&Cs of any offer or contract you choose to participate in.

It might be that the joint account holder information isn't in there. So I'd suggest reading the T&Cs now. It might support a rationally put complaint.

You are obviously a proper banker!

I have no idea whether the poster is a banker or not. I read the T&Cs on deals like the one in question to see if I can exploit even greater gains than the provider intended. Combining the Morrisons cashback with a voucher that came through my letter box, their own week by week offer and a cashback Halifax credit card has been profitable to me.

The point I am trying to make is, regardless of Ts & Cs, Lloyds should accept the fact that we made an error in good faith, expecting the offers to apply to transactions on our joint account and not a specific card.

Where do you draw the line on "good faith" between your misunderstanding and another man's stupidity? The T&Cs specifically exclude petrol. If you'd stuck £100 of fuel in the tank and expected cashback should they treat that in "good faith".

It's not as if they have never made any mistakes. We are all still paying for those!

Why should the taxpayer, as the bank's major shareholder, subsidise your mistake?

Hominu

Clayhanger wrote: »

Another bunch of bankers! Thanks, guys.

Or maybe people who actually read T&Cs, rather than just assume.

matty_544

Well lets just make it clear, i'm not a banker.

However, all this malarkey about "good faith" is ridiculous. Be happy Lloyds and other banks are giving you this offer. It's an added bonus that when you decided to go shopping, you wasn't going just so you would get money back.

The rules are there for a reason and as adults we should all be aware that everything has T&Cs accompanying them. Most people cannot be bothered to read them but some people do. My opinion is you have no right to moan if you don't follow the regulations. And certainly no right to expect any bank to throw you whats effectively free money.

Arachnae

I've given this a fair chance and it is utterly umimpressive. It all seems to be about promoting the retailers who have done a deal with lloyds rather than rewarding customers for using their debit cards. I have been offered a (very small, one-off) discount from just about every take away lunch shop except Pret, Itsu, Wasabi, Leon - the ones where I actually shop. I've signed up for anything vaguely relevant just in case I accidentally earn some points, but as I am not prepared to change my shopping habits to benefit Lloyds, not one point so far. Unlike Tesco who very helpfully send us clubcard vouchers for the stuff they know WE ACTUALLY BUY! The purpose is crystal clear from the jolly little note under the online entry for my last itunes purchase telling me to buy from emusic instead. (50% off your first purchase, so that would have been a whole 39p then) IThere is everything in this for Lloyds, nothing whatsoever for customers.

GingerFurball_2

Arachnae wrote: »

I've given this a fair chance and it is utterly umimpressive. It all seems to be about promoting the retailers who have done a deal with lloyds rather than rewarding customers for using their debit cards. I have been offered a (very small, one-off) discount from just about every take away lunch shop except Pret, Itsu, Wasabi, Leon - the ones where I actually shop. I've signed up for anything vaguely relevant just in case I accidentally earn some points, but as I am not prepared to change my shopping habits to benefit Lloyds, not one point so far. Unlike Tesco who very helpfully send us clubcard vouchers for the stuff they know WE ACTUALLY BUY! The purpose is crystal clear from the jolly little note under the online entry for my last itunes purchase telling me to buy from emusic instead. (50% off your first purchase, so that would have been a whole 39p then) IThere is everything in this for Lloyds, nothing whatsoever for customers.

Well duh, not every retailer has signed up for the scheme.