Lloyds put block on account but didn't bother telling me

pw36

I have lived at the same address for the past 4 years and because I'm so conscious of correct information on my credit file I ensure I changed addresses correctly whenever I have moved. I have just contacted Lloyds Bank to downgrade my account so that I'm not paying for one of their packaged accounts. Having spoken to two very nice and helpful people, listening to the extensive terms and conditions, I was told it had been blocked because Lloyds didn't believe I lived at my address!! Despite receiving bank statements and credit card statements at this address for the last four years they don't believe I live here. So now I have to go into one of their branches that they haven't closed to prove myself so that I can continue to change my account. To say I'm fuming is an understatement. Could this have affected my credit?

Dobbibill

If it's an address block they have put on they won't write to you, as they are querying your address but they will ask you to confirm this as soon as you get in touch.

If you have received all your letters/statements at your address then it could be something as simple as a piece of marketing being delivered to the wrong address and returned. If anything is returned they will want to know why. It is possible for human error, like the postman delivering something to 'High St instead of High Rd'.

pw36

Well due to their mistake and their failure to inform me of a mistake from 2008 and almost an hour I had to spend on the phone I got £22 compensation and an official apology over the phone

paragon909

pw36 wrote: »

Well due to their mistake and their failure to inform me of a mistake from 2008 and almost an hour I had to spend on the phone I got £22 compensation and an official apology over the phone

And???

Your account is fine, No money was lost. It's called protecting their customers, Seems people don't like the measures to protect customers, But it seems £22 isn't enough for you.

I bet £100 wouldn't even be enough, Deal with it and move on.....

Dobbibill

pw36 wrote: »

Well due to their mistake and their failure to inform me of a mistake from 2008 and almost an hour I had to spend on the phone I got £22 compensation and an official apology over the phone

Why do you say it's from 2008 if you've received all your statements?
I would be inclined to think more recently than that and possibly not a bank error but maybe more a human error such as a new postman/woman. [that's not a pop at Royal Mail but merely one alternative train of thought]

What did they give you compensation for?

Thrugelmir

Are you registered on the electoral roll at the property address?

shortcrust

Out of interest, what made the apology different from an unofficial one?

pw36

Have been on the electoral role since I moved to this address. The phone discussion was obviously being recorded so the apology was emphasised quite a few times. That to me was more of an official apology than simply a "sorry about that".

I was very happy and very surprised with £22 compensation actually. It was nice to receive decent Customer Service as well.

Nice to be able to discuss things on here rather than get criticism

Bogof_Babe

I don't blame you being annoyed. Sorting out this sort of thing can be a major hassle, as if there weren't enough demands on our time these days.

Glad you got a satisfactory resolution. Shame on Lloyds if it was their error, and I should think the very least you should expect is a genuine apology and some recompense for your wasted time.

GingerBob_3

paragon909 wrote: »

And???

Your account is fine, No money was lost. It's called protecting their customers, Seems people don't like the measures to protect customers, But it seems £22 isn't enough for you.

I bet £100 wouldn't even be enough, Deal with it and move on.....

No, it's called protecting themselves! They don't give a monkey's chuff about their customers.