What's your Lloyds internal score?

Alarae

eastanglian1 wrote: »

I suppose that will buy you a paper at the end of the month.

iAMaLONDONER wrote: »

At Nationwide (FlexDirect) I get over £10 in interest which can buy several newspapers !

I get around £9.80 a month in interest, which isn't really anything to be sniffed at considering it's free money. Coupled with the £10 per month I get from Halifax and the nominal interest of my Lloyds Vantage I'm not doing bad for a student interest wise :beer:

Richiebow1

CRISPIANNE3 wrote: »

Just out of curiosity and being a Lloyds customer I typed in £1000 into their calculator online and for over a 12 month period it came back at 17.8 percent. However for an amount of over £10k the system quoted me 5.4 percent.

The last time I enquired my IS was 1A.

Interesting, I shall have to ask Lloyd's what my score is because 29.9% over 12 months on £1,000 is just ridiculous. I got immediately accepted for my Amex gold charge yet can't get a small loan nor OD with Lloyd's.

iAMaLONDONER

Alarae wrote: »

I get around £9.80 a month in interest, which isn't really anything to be sniffed at considering it's free money. Coupled with the £10 per month I get from Halifax and the nominal interest of my Lloyds Vantage I'm not doing bad for a student interest wise :beer:

I'd say the same too though I also have the Santander 123 rather than Halifax Reward!

simax

I think Lloyds have finally dropped my CPD markers!

It's letting me upgrade to a Platinum account and allowing me to open a 2nd account on internet banking, whereas before it said no.

They've also sent me a chequebook, which is handy.

Bit wasted now as I moved my main banking back to Nationwide about 2 years ago when I'd been suffering years of CPD markers on everything! (Only use account now to pay money in via the ATM then transfer to my NWide account).

Also, when did they stop selling Gold and Premier accounts?!?

iAMaLONDONER

simax wrote: »

I think Lloyds have finally dropped my CPD markers!

It's letting me upgrade to a Platinum account and allowing me to open a 2nd account on internet banking, whereas before it said no.

They've also sent me a chequebook, which is handy.

Bit wasted now as I moved my main banking back to Nationwide about 2 years ago when I'd been suffering years of CPD markers on everything! (Only use account now to pay money in via the ATM then transfer to my NWide account).

Also, when did they stop selling Gold and Premier accounts?!?

December 2012

http://www.thisismoney.co.uk/money/saving/article-2250462/Lloyds-TSB-halts-sales-packaged-current-accounts.html

BMN

simax wrote: »

I think Lloyds have finally dropped my CPD markers!

There was no CPD marker applied to your account. They carry out a monthly assessment which has determined you're now eligible for whatever products they are now able to offer you.

simax wrote: »

Also, when did they stop selling Gold and Premier accounts?!?

iAMaLONDONER wrote: »

December 2012

http://www.thisismoney.co.uk/money/saving/article-2250462/Lloyds-TSB-halts-sales-packaged-current-accounts.html

This isn't correct. That article only refers to a stop in the opening of added value accounts in branch.

The Gold and Premier added value accounts were only recently withdrawn (to new customers) to simplify the product range.

CherlokHomes

There was no CPD marker applied to your account. They carry out a monthly assessment which has determined you're now eligible for whatever products they are now able to offer you.

And after their monthly assessment they decided to place a CPD on Simax account in which CPD was in big letters for the banks advisor to see.

The Gold and Premier added value accounts were only recently withdrawn (to new customers) to simplify the product range.

And to current customers.

BMN

Innovate wrote: »

And after their monthly assessment they decided to place a CPD on Simax account in which CPD was in big letters for the banks advisor to see.

No, it wasn't placed at all - that isn't how it works. Any of the branch staff (not just advisors) get to see the reason (which is all that "Credit Policy Decline" is - just a reason) for not being able to offer a customer credit.

Once again, how exactly do you know how it works?

Innovate wrote: »

And to current customers.

Yeah. I didn't word that correctly. I meant that existing Gold and Premier customers get to keep these types of account.

CherlokHomes

BMN wrote: »

No, it wasn't placed at all - that isn't how it works. Any of the branch staff (not just advisors) get to see the reason (which is all that "Credit Policy Decline" is - just a reason) for not being able to offer a customer credit.

Once again, how exactly do you know how it works?



Yeah. I didn't word that correctly. I meant that existing Gold and Premier customers get to keep these types of account.

When you have 5 minutes I'd like you to do me a favour and walk in to your local Lloyds and ask them "are CPD markers placed on customers accounts who they see as a higher risk"

BMN

Innovate wrote: »

When you have 5 minutes I'd like you to do me a favour and walk in to your local Lloyds and ask them "are CPD markers placed on customers accounts who they see as a higher risk"

I already work at my local Lloyds branch. I know how it works. :T

Where does your knowledge come from?