Lloyds and Halifax Closing my Accounts?

JackLadder

MABLE wrote: »

Even if Jack didn't that would have no bearing on closure of the accounts. He will never know until he contacts them.

Do you think it was a good sign that when I contacted them on Friday, the person on the phone said they couldn't see any reason why Lloyds would close all my accounts? Or would it be that they wouldn't have the necessary information available?

Jack.

MABLE

JackLadder wrote: »

Do you think it was a good sign that when I contacted them on Friday, the person on the phone said they couldn't see any reason why Lloyds would close all my accounts? Or would it be that they wouldn't have the necessary information available?

Jack.

I know from my time with Lloyds in the 90's that some screens you could not have access to unless you were at a senior level. So there may be keying information there but the front line staff may not have access to it.

Whether its the same now I don't know but if you are up to it just phone them in the dept who sent the letter. Nothing to lose.

JackLadder

MABLE wrote: »

I know from my time with Lloyds in the 90's that some screens you could not have access to unless you were at a senior level. So there may be keying information there but the front line staff may not have access to it.

Whether its the same now I don't know but if you are up to it just phone them in the dept who sent the letter. Nothing to lose.

I'm planning to visit the branch and ask there, then call them and speak to the department the letter was from later today. I'm now unsure if visiting the branch would help, although I don't think it will hinder.

Thanks,
Jack.

grumbler

I guess your visit to the branch will be a waste of time.
They are powerless and no more knowledgeable than telephone CS.

Personally, I would try complaining formally or appealing the closure in writing and asking for an explanation. You can lodge your complaint in a branch though.

MABLE

JackLadder wrote: »

I'm planning to visit the branch and ask there, then call them and speak to the department the letter was from later today. I'm now unsure if visiting the branch would help, although I don't think it will hinder.

Thanks,
Jack.

I would speak direct to the dept who sent the letter.
Best of luck!

Herbalus

I can't see if you've got other accounts from what you've posted, but I would open another account with a different provider this week (Barclays, Natwest, Nationwide, Santander, HSBC etc). You'll need it if you can't persuade Lloyds to keep your accounts.

Best of luck with getting Lloyds Banking Group to keep you, but I haven't heard of any cases yet where this has happened once a bank has decided it doesn't want your custom anymore.

SevenOfNine

SevenOfNine wrote: »

Apologies if you've already said this JackLadder, do you have your D/D's set up? You are complying with the T&Cs of the accounts fully?

MABLE wrote: »

Even if Jack didn't that would have no bearing on closure of the accounts. He will never know until he contacts them.

I didn't say it would, I merely asked a couple of QUESTIONS. Though from your response, you seem to be saying you know what aspects of the account operation WON'T have any bearing on the closures. Can you share any others.

JackLadder

Hi everyone,

Sorry the reply is later than I wanted to. I went to the branch today, said about my letter and the member of staff phoned someone... I later found out the first call was AML (a customer a few days ago had come in with a similar letter and staff phoned Account Closures, was told to call AML, so she assumed AML was the correct department to contact) AML said it was nothing to so with them, to contact Account Closures, so she did. Account Closures said it was purely a "business decision" (I assume the clause that they can close any account for any reason - so because I'm an unprofitable customer I'm guessing) and she asked about the appeals procedure. Said something about knowing how *staff* appeal, but not how *customers* do. I was told that to appeal I should write to Account Closures. I asked (because I'd heard AML mentioned) if I've been accused of money laundering, I was told categorically no (explains the redirection) so I asked if there would be any black mark et cetera on my credit record because of the closures. I was told that there shouldn't be, and then told my internal credit score (3, on a scale where 1 is best, 9 is worst) then I thanked the member of staff and left. Sorry if there's any typos in this message, I'll check it later or tomorrow.

Jack.

MABLE

JackLadder wrote: »

Hi everyone,

Sorry the reply is later than I wanted to. I went to the branch today, said about my letter and the member of staff phoned someone... I later found out the first call was AML (a customer a few days ago had come in with a similar letter and staff phoned Account Closures, was told to call AML, so she assumed AML was the correct department to contact) AML said it was nothing to so with them, to contact Account Closures, so she did. Account Closures said it was purely a "business decision" (I assume the clause that they can close any account for any reason - so because I'm an unprofitable customer I'm guessing) and she asked about the appeals procedure. Said something about knowing how *staff* appeal, but not how *customers* do. I was told that to appeal I should write to Account Closures. I asked (because I'd heard AML mentioned) if I've been accused of money laundering, I was told categorically no (explains the redirection) so I asked if there would be any black mark et cetera on my credit record because of the closures. I was told that there shouldn't be, and then told my internal credit score (3, on a scale where 1 is best, 9 is worst) then I thanked the member of staff and left. Sorry if there's any typos in this message, I'll check it later or tomorrow.

Jack.

Thanks for update Jack, An internal score from 1 to 3 is deemed excellent so very strange they have taken the action to close accounts.

Also I personally do not believe it is because you are deemed unprofitable.

There has to be more to it than you are being aware of and it may be worth appealing for your own peace of mind.

Best of luck.

jonesMUFCforever

Can I ask one question?

Do you originate from the UK?