Lloyds Bank Card.. GR...

Archi_Bald

bengal-stripe wrote: »

That might be the clue.

How long ago and how serious was your debt problem? Did you go bankrupt, IVA, did the bank have to write off monies you owed?

You might consider making a new start and open a basic account elsewhere.

I agree. There may well be a CPD marker on the OP's Lloyds file, meaning she will never get a Classic account. Only viable alternative could be a different bank but this depends a lot on the status of the credit file.

AllThingsEmmaDunn wrote: »

Iv done a credit search thing and because i have not had any credit since or been on a contract ect its still pretty poor. The debt was about 6yrs ago now.

Are you on the Electoral Roll at your current address? If not, get on asap.

What defaults are showing on your CRA files?

jonesMUFCforever

There is a way round this for all cash account customers. Open an Easy saver savings and ask for a cashpoint card on it. This will work in all ATM'S just remember to transfer the funds into it first.

Macca83_2

jonesMUFCforever wrote: »

There is a way round this for all cash account customers. Open an Easy saver savings and ask for a cashpoint card on it. This will work in all ATM'S just remember to transfer the funds into it first.

I don't think they have the link symbol so can only be used in the lloyds network machines?

jonesMUFCforever

Macca83 wrote: »

I don't think they have the link symbol so can only be used in the lloyds network machines?

No they work in any ATM's..........The only downside is £200 max per day.

Macca83_2

jonesMUFCforever wrote: »

No they work in any ATM's..........The only downside is £200 max per day.

Better than nothing

jonesMUFCforever

Indeed don't know why more don't know about it.

System

Does the OP have a debit card?
Is it just a Cashpoint card?

jonesMUFCforever

Heng_Leng wrote: »

Does the OP have a debit card?
Is it just a Cashpoint card?

Yes - post one goes on about a crappy card with chip and pin. It is a basic account the card will only work in its own ATM network. My post was a workaround which would work as long as he does not want more than £200 cash per day.

System

Yes, but the OP is saying that retailer cashback isn't working, which made me think he/she has an ATM only card?

Also, Sainsbury's Cashpoints are basically rebranded BOS machines (they even give mini statements) so shouldn't a Lloyds basic account card work in them?

jonesMUFCforever wrote: »

Yes - post one goes on about a crappy card with chip and pin. It is a basic account the card will only work in its own ATM network. My post was a workaround which would work as long as he does not want more than £200 cash per day.

GingerFurball_2

Heng_Leng wrote: »

Yes, but the OP is saying that retailer cashback isn't working, which made me think he/she has an ATM only card?

Also, Sainsbury's Cashpoints are basically rebranded BOS machines (they even give mini statements) so shouldn't a Lloyds basic account card work in them?

IIRC Lloyds have sold off Sainsburys.

I may have made that up, I'll check.

edit: yes, Sainsbury's have bought out the 50% share of Sainsbury's Bank which was owned by LBG.