Terrible email from Lloyds

Archi_Bald

I can't believe Lloyds sent me an email today saying

Our records show that due to an internal issue, you may not have received the most recent terms and conditions relating to your Lloyds Current Account.

and attaching 3 files.

In keeping with my principles of protecting my personal data and the integrity of my PC, I will of course not open any of the attachments, even though the email looks genuine (they address me by my name in the email).

I am staggered that Lloyds seriously expect people to open email attachments. Have filed a formal complaint with them.

paragon909

When i get emails from TSB it normally says.

We want you to recognise a fraudulent email if you receive one. TSB will always greet you personally using your title, surname and the last four digits of your account number: XXXX1234. Find out more.

plus all the terms and conditions are on the website.

stclair

I've had a similar email today from Barclaycard.

maas

They'd normally ask you to accept new T&C upon the next time you log in or send you letters.

In my experience, banks DONT email you about your account. Get bank junk mail but I never get anything about my account through an email.

ceredigion

I had the same email and no i didn't open the attachments either. Was rather hoping a learned person like your good self could enlighten me .

CLAPTON

stclair wrote: »

I've had a similar email today from Barclaycard.

the Barclaycard one isn't an attachment but a redirection to their website

Herbalus

Archi_Bald wrote: »

In keeping with my principles of protecting my personal data and the integrity of my PC, I will of course not open any of the attachments, even though the email looks genuine (they address me by my name in the email).

Does your email server allow you to see what type of files were attached? I know this is beside the point, but with my email programme I can see that a document is a .pdf or .doc for example, so I know they're safe.

TSB emailed T+Cs of the Plus account when I opened it in April, but I wasn't concerned because it included my name, the last four digits of my account, and the documents were .pdf so safe to open.

Fruit_and_Nut_Case

Archi_Bald wrote: »

Have filed a formal complaint with them.

Why? Are you sure it's from Lloyds and not some dodgy scammer?

Archi_Bald

it's 3 PDF files, and I am certain-ish the email is from Lloyds as my name and the last 4 digits of my Club Lloyds are in the email. Although I am also certain that is could be from some outfit that stole Lloyds customer data and is sending me a bunch of viruses in the attachment.

There is just about zero reason or justification for a bank to send anything in email attachments.

Herbalus

CLAPTON wrote: »

the Barclaycard one isn't an attachment but a redirection to their website

Links are not any safer. I use Google Chrome, which allows me to see what the linked address is, as opposed to thinking I'm going to the address I'm clicking on, so I always check where it is I'm going. Spam emails regularly tell you to click on a link that reads as a genuine link, but it actually sends you to another site.

Example: please click on www.tsb.co.uk to reset your security. Anyone who clicks on the link will actually go to the Lloyds site, because that's the web address I inserted behind the link.

Archi_Bald

Lloyds got the internal messaging service so if they have to tell me about changes to T&Cs they can tell me there. By all means, they can send me an email or a text to tell me to log into my account (using my normal log in procedure, not any link provided in an email) if they want to make sure I am aware I have a message in the secure messaging box. That way, I (and other consumers) do not have to make a decision whether email attachments might be safe or not safe.

EDIT: Lloyds have now confirmed to me that the email is genuine but I am still not opening the attachments, and I will keep my complaint open. I am not after any money, I just genuinely think they should not send any attachments by email as we as consumers should not need to be expected to determine whether an email is genuine or not.

They have told me I can remove my email address if I don't want to receive attachments - - - not really a solution as there are valid reasons for them to email me. Not least since I have set my communication preferences to email - - but this doesn't mean they should be sending me attachments.

Complaint is staying open.