Bank of Scotland, Halifax and now TSB have closed my Accounts

Archi_Bald

joe134 wrote: »

I quoted what Clydesdale are saying on their website to switch to their account,only because it is there, and no amount of bluster will make it disappear.

Nobody said the words aren't there on the website. But the words on the website don't matter. The only thing that matters are the T&Cs. No amount of you not understanding it, or pretending to not understanding it, will invalidate that fact.

joe134 wrote: »

Where do T/c's start and end.?

This is presumably not a serious question.

joe134 wrote: »

I personally couldn't care less about the T/cs, they are for the companys benefit, not the punters, which I will not become one.

Now you are beginning to talk nonsense. T&Cs are the only document that define the ...errr....terms under which you do business with a company. So they are to your benefit as well as that of the company's. You are of course free to ignore T&Cs but you have no grounds for any complaint if you run into difficulties after not complying with T&Cs.

In the meantime, to repeat: there have so far been no switching offer T&Cs that talk about 'main accounts'. I don't expect there will ever be, as there cannot possibly be a common definition of 'main account' applicable for everybody.

Chris2000

ceredigion wrote: »

This really is a non problem. If LBC where closing accounts there would be dozens of people on here telling the world, and since that hasn't happened it is a fare assumption that the three posters that have reported a problem have other issues.

I agree. Especially considering how many people seem to be just cycling the minimum required between LBG accounts and not even trying to disguise their 'abuse' of the offer.

LBG has problems with their external data feeds. I've had accounts with the Halifax for years but they recently decided to change my name from 'Mr' to 'Mrs' on all my accounts, including sharedealing account, without asking my permission. The first I knew about it was when I received a new credit card in the post with my supposedly new name on it. They didn't change my Lloyds accounts, only Halifax and BOS.

I had to go into a branch with ID before they would fix the problem, but both on the phone and in branch they said the change of name was triggered by an external data source but they couldn't say which. They suggested I get copies of my credit report to check for possible identity theft. Reports from all 3 agencies were fine with nothing unexpected at all.

I concluded that LBG are a bit rubbish at merging external data into their own customer data.

zak2012

so its safer if you dont have many accounts

callum9999

gunsandbanjos wrote: »

I'm really not sure that TSB and Lloyds share data internally, I think whoever told you that may have been mistaken.

I realise this is an old post - but they still do today. I updated my address with Lloyds last month, and Halifax and TSB both automatically changed my address too. I was expecting Halifax to but was surprised TSB still does.

gunsandbanjos

callum9999 wrote: »

I realise this is an old post - but they still do today. I updated my address with Lloyds last month, and Halifax and TSB both automatically changed my address too. I was expecting Halifax to but was surprised TSB still does.

I'm very surprised about that.

fifeken

zak2012 wrote: »

so its safer if you dont have many accounts

Safer for you anyway.

https://forums.moneysavingexpert.com/discussion/5424153

Doctor_Duke

gunsandbanjos wrote: »

I'm very surprised about that.

I'm not so surprised as TSB still seem wedded to LBG systems. Do a loan quote (doesn't affect your credit file) on TSB or LBG. The rate I get offered is identical.....

gunsandbanjos

Doctor_Duke wrote: »

I'm not so surprised as TSB still seem wedded to LBG systems. Do a loan quote (doesn't affect your credit file) on TSB or LBG. The rate I get offered is identical.....

Yes TSB has taken a mini me version of all lloyds systems but they can't see each other's accounts.

mgdavid

it sounds very much as if they are still sharing a back-end database.

diamonds

mgdavid wrote: »

it sounds very much as if they are still sharing a back-end database.

Interesting because 7 months ago I could not get a basic savings a/c with Halifax, just over a week ago I got the £5 Reward Account from Halifax after my TSB 5% £1500 balance tripled in 6 months.


Then M&S gave me a a/c when HSBC refused me 7 months ago too...


After Sab bought TSB you would think so much time later a massive Spanish bank would have completely split ties with LBG backhaul.