Staff at Lloyd's forced my partner into a credit card it would seem

Everynamestaken

Hi, I had posted this originally on the credit card forum but although I doubt we will complain (unless I see something good written from the replies), I thought I would now share on this forum.

My partner went into Lloyds bank around 6/7 months ago to sort out her online banking. She has only just told me recently though that the lady kept banging on about an extra card.

My gf first language is not English, but she is without doubt capable of holding a conversation (usually more than me), but her downside seems to be saying no sometimes, and feeling pressured, and trying to leave as quick as possible.

I can only go on what she has told me but she kept saying no, and the advisor told her "you can't use this in the shops, it's only to use online, it's free, just log on now" etc etc". She tried to get away and never did log on/register in branch, but quizzed her about it the other day and although she kept saying she didn't need this and it's a "special online card", it is indeed a credit card with balance transfers 0% for 6 months.


She says she will go into branch to cancel it but she seems worried now that every time she goes into the bank, they will sell her something. I have said to her "say NO, and sign nothing apart from a deposit or a withdrawal slip". The point is though is that it shouldn't be like that should it?

Lokolo

Shes not forced to do anything.

The bank needs to make a profit, one way of doing that is through sales. How do you think banks still run without charging for current accounts??

Aquamania

Earlier thread, and replies . can be found here

https://forums.moneysavingexpert.com/discussion/4865985

somethingcorporate

No, it shouldn't be like that.

A grown adult should be able to stand up for themselves and say no.

1jim

Some adults aren't able to say no. Banks and their staff have a duty to understand that and take appropriate action.

I also don't think it's ok to say it's fine because banks need to make a profit to cover current accounts, isn't this how they ended up in a mess with ppi and the like? The banks do charge for current accounts, it's just not an obvious charge that the customer pays

grumbler

Everynamestaken wrote: »

..The point is though is that it shouldn't be like that should it?

I think it's a rhetoric question, not a point.
What do you really want?
As you were told already, either phone the bank and cancel it or learn to use it for your (your gf's) benefit.
As simple as that.

pmduk

But how can your partner ever go into a shop? They're all selling things, it's what they're there to do. A consumer's job is to say no unless the product is actually wanted.

CherlokHomes

My gf first language is not English, but she is without doubt capable of holding a conversation (usually more than me),

But she was quite confident in walking into the bank to sort out her online banking, which I would say she's pretty capable to say NO to a credit card.

brettcta

similar thing happened to my mrs - we were applying for a mortgage through lloyds and to get a better rate, she agreed to move her banking to them. when in branch, they sold her a credit card with a limit larger than she would ever need on the proviso it would help towards the mortgage application we were well underway with (3 weeks before completion)

DrSyn

Lokolo wrote: »

Shes not forced to do anything.

The bank needs to make a profit, one way of doing that is through sales. How do you think banks still run without charging for current accounts??

By using the money in my current account( on which they pay no interest) as loans (on which they charge a high interest) to
(1) people for mortgages and personal loans, (2) businesses

Also by betting on shares and bonds.

They could also reduce the bonuses to their top staff.


Before you say they need to pay these high saleries and bonuses to get the best persons, remember they where saying and doing just this before the banking system went down the tubes.

They always cry "but it is differenet this time round",but it never is!

DrSyn

Lokolo wrote: »

Shes not forced to do anything.

The bank needs to make a profit, one way of doing that is through sales. How do you think banks still run without charging for current accounts??

By using the money in my current account( on which they pay no interest) as loans (on which they charge a high interest) to
(1) people for mortgages and personal loans, (2) businesses

Also by betting on shares and bonds.

They could also reduce the bonuses to their top staff.


Before you say they need to pay these high saleries and bonuses to get the best persons, remember they where saying and doing just this before the banking system went down the tubes.

They always cry "but it is differenet this time round",but it never is!