New Lloyds Club current account

Gromitt

greenorange wrote: »

Can you see pending payments going into your account with Lloyds such as salary, like you can with HSBC? I can only see the option for pending card transactions, not payments coming in.

I don't think so, just pending debit card transactions and cheques being processed. Then again, things like my salary go in the same day the company processes them, so I don't see how they could be pending. Any expense claims go in within about an hour of receiving the approval email. The only things that take time are things like Quidco, but I'm guessing this isn't the bank, so they wouldn't know about it until it's hit the account.

callum9999

Gromitt wrote: »

I don't think so, just pending debit card transactions and cheques being processed. Then again, things like my salary go in the same day the company processes them, so I don't see how they could be pending. Any expense claims go in within about an hour of receiving the approval email. The only things that take time are things like Quidco, but I'm guessing this isn't the bank, so they wouldn't know about it until it's hit the account.

My salary always shows as pending the night before pay day. I'm pretty sure that's the norm? Quidco is the same. I assumed they still make these payments via BACS.

Gromitt

callum9999 wrote: »

My salary always shows as pending the night before pay day. I'm pretty sure that's the norm? Quidco is the same. I assumed they still make these payments via BACS.

The company I work for changed how they made payments nearly 2 years ago. You used to get them allocated to your account a day before pay day and normally usable that night. Now they hit the account sometime during pay day. I'm assuming that this is because they have switched from BACS to FP.

It caused a few complaints as many people had DDs and SOs set on the day they received their salary (ie, the day before the official day) rather than the date it said on the pay notification.

pearl123

Trying to find out if Club Lloyds comes with a cheque book?

greenorange

pearl123 wrote: »

Trying to find out if Club Lloyds comes with a cheque book?

It does. I received mine a few days ago.

greenorange

I've only had an account with Lloyds for a week or so and am already running into problems. Two savings accounts were opened due to an error (now closed one), they ran a credit check twice because they 'couldn't find' my online application, my pin just arrived blank (absolutely no numbering on the paper thing), and to top it off, I've just tried to de-register my mobile number for paym, and was given an error and told to call them. I did, and all they said was 'no idea, try again later'. That, along with not giving me a contactless card.

I'm all for a little interest on my current account, but not if it involves incompetence. Hopefully I've just been unlucky and wont run into any more problems.

matty_544

MoneyInTheBank wrote: »

If I opened this account 24/04/2014 but you need to have 2 DDs debit per calendar month, does that mean I have until 30/04/2014 for the 2 DDs to leave my account to qualify for the 4%?

nope first month ur DDs need not pay out

10_66

MoneyInTheBank wrote: »

If I opened this account 24/04/2014 but you need to have 2 DDs debit per calendar month, does that mean I have until 30/04/2014 for the 2 DDs to leave my account to qualify for the 4%?

matty_544 wrote: »

nope first month ur DDs need not pay out

I didn't realise the DD's didn't have to paid out in the first month. I've delayed paying anything into this account (opened at the beginning of April) until I've now finally got the DD's set up. Oh well, will fully fund it from one of my Vantage accounts in a couple of days' time now.

innovate

matty_544 wrote: »

nope first month ur DDs need not pay out

There is nothing in the T&Cs that support your statement, matty_544. Only hearsay from people who got paid interest for one day in March.

If you are working for Lloyds, what guarantees can you give people that they will be paid, and what should they do if they don't?

PJHilder

I was going to upgrade but the 2 direct debits clause is putting me off. I currently have 2 vantage accounts with lloyds, one which has all my direct debits. Prefer it that way to make budgeting simpler.

Unless I can get 2 direct debits for 1p to leave just after payday so I don't notice them.