Lloyds unscruplous sales tactics -is this allowed??

jmb1

Hi guys. Lloyds rang the other day and told us they were wanting to set up a meeting to 'discuss my bank account and your overdraft' and could we come in for a meeting. Thinking this might be something serious or problematic with my current account we duly arranged to go in at 3pm the following Wednesday.

On arrival at 3pm the 'account manager' assigned to me didnt appear until quarter past and when she did, no apology for the wait, but thats another matter. What she then told me is what I wonder is allowed; she basically wanted to sell me all sorts of Lloyds services, nothing to do with my overdraft facility or account health. What I found more unbelievable was that she produced a print out of my bank account statement and had highlighted direct debits to for eg insurance companies, external credit cards, even payments to and from my partner, from which she then attempted to tell me how much I could save if I use their services instead, and even trying to get my partner to move bank to them, asking how much he earns etc etc.

I felt this an invasion of privacy and a very underhand to bring me in under the pretense of needing to discuss an urgent matter only to be brought in using my time and travel costs just to have her try to sell me their products and services.

Are they allowed to do this? Particularly I mean going through my finances in order to try to sell me their products instead??

paragon909

Sue them for £1million pound, *Dam those bankers trying to get more money from you*

lozzy81

she wouldn't have phoned you, a minion with a target to hit did, that is sadly the job of the adviser, to look at your account and see if they can offer cheaper deals or consolidation loans or cards.... and it keeps the branches open as that is what makes the banks money.... she was just doing her job and i bet she hates it!

Archi_Bald

Put it down to experience, ignore any and all future invitations (from any bank) for what they call an account review. They are all sales sessions.

jmb1

thanks for replies i'll forget it then

sinizterguy

This is what they do.

Somewhere in the small print you would have agreed to this when you agreed to attend the appointment.

colsten

You have no legal obligation to ever go anywhere near any Branch, or to attend any form of account review in person.

mum2one

We had exactly the same problem an account review - we were told they wouldn't issue a replacement debit card (the date was coming up to expiry) unless an account review took place. Although it's my parents account I have a 3rd party access agreement - my dad is (was at the time) my mums carer. I took this up with the branch and the head office they were given £50 as a goodwill gesture as an apology - now a note of the file -do not disturb - x

giblet10

I thought Lloyds were trying to build trust with clients, not drag them into their sales showrooms in the middle of the day and cause needless panic.

These bloody banks are all the same.

Everynamestaken

As someone stated "bet she hates the job".

It's all free banking, you don't pay for it, so like someone said, just take it as experience.

If ever I need change and have to go to a cashier, I tell them I live in a cardboard box, and dont need a mortgage and don't need home insurance. I was then asked about a cc.

jayjay21

I don't see the huge problem? They offered you potential ways to save you money and for some reason you declined.