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

planteria

joe134 wrote: »

you've nothing to fear, than, fear itself.

:laugh: i don't there is any need for fear at all. i don't think the closures are very widespread, and i know several people who are in a similar boat that aren't on this forum who haven't had any contact from HBOS.

fwiw i would always request the Debit Cards. for one thing, if you want to move an account, for an incentive or other deal, it makes it a lot easier.

agreed re. chequebooks though.. i just have them for my three 'main' accounts.

joe134

planteria wrote: »

:laugh: i don't there is any need for fear at all. i don't the closures are very widespread, and i know several people who are in a similar boat that aren't on this forum who haven't had any contact from HBOS.

fwiw i would always request the Debit Cards. for one thing, if you want to move an account, for an incentive or other deal, it makes it a lot easier.

agreed re. chequebooks though.. i just have them for my three 'main' accounts.

got the dc's this time with hfax reward, just used it online to buy oh's holiday insurance.they are the first dc's I've never needed to activate before use.?
I will use this a bit more than the others, until I decide to reswitch it.after my £200 has gone in the bank, not really bothered about the £5 per month.see how it goes.
aint got your luck.capone :rotfl::beer:

MikeSmith61

Here is a strange one, I put my Lloyds Debit card in a TSB Cash Machine today and I got a full Mini Statement, I tried my NatWest card and it would only give me a balance.

Now I did not expect the NatWest card to give me a mini statement as it is not my bank nor is it part of the TSB group, but if Lloyds and the TSB are no longer linked why can the TSB machine retrieve all my statement data like they used to do when it was LloydsTSB ?, the only explanation is they are still linked and not as separate as we are lead to believe.

If you have a Lloyds card try it in a TSB machine you may get a surprise !.

System

TSB's systems are still run by Lloyds...

MikeSmith61 wrote: »

Here is a strange one, I put my Lloyds Debit card in a TSB Cash Machine today and I got a full Mini Statement.

System

Do they offer anything particularly unique that other's cant?

norm_ wrote: »

You're not concerned about being blacklisted from LBG?

Herbalus

Heng_Leng wrote: »

Do they offer anything particularly unique that other's cant?

Nobody else has a horse on the debit card

But otherwise: Halifax Clarity CC is the best overseas card, Halifax Rewards are good extra income if you don't have savings, free cinema tickets with Lloyds Club, and almost top 0% BT CCs if you already have a Barclaycard.

It's not the end of the world, but it would be annoying.

joeblags

Banker
Clare Smith*, 37, £170,000 plus £400,000 discretionary bonus


Yes, you read right. I get a £400,000 annual bonus. That's why most bankers won't talk about what they get paid. That and the fact that they could lose their job for doing so.

this is why every body should milk what they can in interest, bankers seem to do a good job

joe134

joeblags wrote: »

this is why every body should milk what they can in interest, bankers seem to do a good job

trouble is, we have the bat and ball, they have the playing field.

msallen

DragonQ wrote: »

I don't want to carry around 15 or so debit cards for buying stuff, especially when I have 0% interest and/or cashback credit cards exactly for that purpose.

I do have at least one "real" direct debit on all accounts that require them though (just Halifax Reward and Club Lloyds).

I don't carry all my DCs around! Once a month I start a "cycle". On day one I put DC1 in my wallet, then on day two I swap it for DC2 etc. Before the end of the second week I've finished until next month. Total spend on all DC's in a cycle is way less than £50, so the cashback/slow stooze lost on that is negligible.

planteria

agreed that it would be annoying Herbalus.. fwiw if Halifax Rewards and the TSB Plus that i've just opened were closed i wouldn't be too concerned, but i would like to continue with Club Lloyds. that, my RBS account and Barclays & HSBC Premier accounts are 'keepers' for me. i want those ongoing relationships, giving options business-wise.

msallen wrote: »

I don't carry all my DCs around! Once a month I start a "cycle". On day one I put DC1 in my wallet, then on day two I swap it for DC2 etc. Before the end of the second week I've finished until next month. Total spend on all DC's in a cycle is way less than £50, so the cashback/slow stooze lost on that is negligible.

that's quite a commitment in order to keep those accounts active with spending though, and more effort than many people here, including myself. as it happens i spend on Amex, or CapOne where i can't, or spend small amounts on a new debit card in order to try to ensure that they class the account as active. so currently i am using my new TSB card.. but that's only until i receive the £100 transfer incentive.