Lloyds Bank £100 switching offer ends 9 Nov 2020

GlennTheBaker

GlennTheBaker said:

RadioFreeEurope said:

I applied for the Lloyd's switch on Saturday. All seemed to be going well.

Just received a text now saying my switch can't be progressed and to phone the Lloyd's Bank switching team. 

Phoned the number and it asks me whether I am a Halifax customer (press 1) or Bank of Scotland customer (press 2). And that's it!

I am a bit stumped.

My wife applied for a Club Lloyds account on Saturday and wanted to switch her Halifax account to them. The application went through OK but she too has had this same text today. She hasn't called them yet but will try tomorrow. 

She's tried 4 times to do the switch online to her now fully open Club Lloyds account but has received an error message each time. The website is painfully sluggish so maybe they're just busy with MSE-ers after an easy £100 😉

masonic

downshifted said:

colsten said:

downshifted said:

colsten said:

downshifted said:

Perhaps there is something wrong with your reading ability. Or maybe your ego since you find it necessary to give ill informed comments and advice. 

Pardon? Where on the Lloyds website does it say joint accounts cannot be switched online? Happy to read it if you point me at it.

You have two options when you are looking to apply to open a joint account:

• One of you can get the process started by opening an account online. You will both then need to go into branch to make it a joint account.
• Both of you can open your joint account from start to finish at one of our branches.

It goes on to say phone this number and we will make an appointment for you. After a long and frustrating call yesterday that concluded with a recorded message telling me they could not deal with my query at this time I eventually spoke to a real live person today who told me that contrary to the website details they are not making appointments now because of Covid. So the website must have been wrong for about 6 months. The rep was pleasant and helpful and said she would point this out.

You are talking about applying for a joint account.

I was talking about switching into an existing joint account.

Two entirely separate processes. I completely agree with you that applications for joint Lloyds accounts require Branch visits - they always have. I apologise if I have wrongly assumed you had an existing account to switch into.

As I have commented elsewhere to someone who cannot open a joint Lloyds account due to lack of appointments: why not open two sole accounts, and switch two sole accounts (possibly 'donor' accounts) into them? 

I’m not actually. You can only switch a joint account in person since it needs consent of 2 people. 

I’m done here

In fairness, I'm just as confused as colsten about what you are trying to do.

You opened with... "Just tried to call to make an appt to open a joint account to swap our current account to. I can’t see a way of doing it online. Automated system sent me round the houses to a final recorded message which said we can’t make an appt today. If that’s the level of service..."

Could you clarify that you are not in fact trying to open a new joint account, but actually already hold an existing joint account with Lloyds, and that when you fill out the details in the switching form located at https://apply.lloydsbank.co.uk/sales-content/cwa/l/cass/index-app.html#/before-you-start

...and select...

Is the Lloyds Bank current account you want to switch to a joint account? Yes

...then fill out the rest of the form with your existing Lloyds joint account details and details of the account you want to switch, then select continue, you cannot submit the switching form or are otherwise instructed to call Lloyds instead?

Kidder81

Eco_Miser said:

I want to switch a disused Santander account, but the debit card expired in 2014 (still got it, so if the card number would still be valid for switching purposes, I'd be set to go).

Does this mean I'll have to contact Santander and get a new card sent, just to be switched, or might there be a different way?

As far as I understand it the debit card details are another security check to make sure the correct account is being switched. I’d just fill out the switch form and select the option of no debit card.

I’ve done a couple of switches before doing this and never had an issue.

quirkydeptless

"Are you eligible for the arranged overdraft offer?

To qualify for the interest-free offer you must:

• Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account
• Have not used the offer within the last 12 months
• Have applied, and been approved for an arranged overdraft on your new Lloyds Bank account"
  

Was hoping for a bit of stoozing, but as I read this, see I'm not eligible for the overdraft offer due to the third bullet point (I'm OK for the first two), as I transferred into an existing Lloyds Club account which has an existing arranged overdraft, and so I haven't "applied" for it as part of my switch.

CRISPIANNE3

quirkydeptless said:

"Are you eligible for the arranged overdraft offer?

To qualify for the interest-free offer you must:

• Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account
• Have not used the offer within the last 12 months
• Have applied, and been approved for an arranged overdraft on your new Lloyds Bank account"
  

Was hoping for a bit of stoozing, but as I read this, see I'm not eligible for the overdraft offer due to the third bullet point (I'm OK for the first two), as I transferred into an existing Lloyds Club account which has an existing arranged overdraft, and so I haven't "applied" for it as part of my switch.

My partner received a letter today advising she would get a 3 months free overdraft.  She switched into an existing Club account and there was already an overdraft facility on that account.  

Ted_E_Bear

Just found £100 in my Lloyds account. Transferred out the money and downgraded the account. That's me done for another round of easy money.

prixon

Requested a switch from a Tesco Current Account (0% as of 22nd...) to my existing Club Lloyds account a few days ago. Pretty impressed as they've paid the £100 incentive in already, before the transfer has even happened!
 

Kidder81

Still waiting for my incentive to go in. 

Interestingly I was playing around on the online banking app and came across the above message. Although one poster has managed to open several club accounts online, I think this is a glitch rather than the norm.

CRISPIANNE3

Kidder81 said:

Still waiting for my incentive to go in. 

Interestingly I was playing around on the online banking app and came across the above message. Although one poster has managed to open several club accounts online, I think this is a glitch rather than the norm.

I have 5. However I have been with them about 35 years and I know from previous conversations with my local bank manager I am regarded very highly.  Also all the Club accounts were opened online and will allow me to open another one. Perhaps it's down to knowing the customer rather than a glitch.

Kidder81

CRISPIANNE3 said:

Kidder81 said:

Still waiting for my incentive to go in. 

Interestingly I was playing around on the online banking app and came across the above message. Although one poster has managed to open several club accounts online, I think this is a glitch rather than the norm.

I have 5. However I have been with them about 35 years and I know from previous conversations with my local bank manager I am regarded very highly.  Also all the Club accounts were opened online and will allow me to open another one. Perhaps it's down to knowing the customer rather than a glitch.

I appreciate what you’re saying but I don’t think in this day and age it will be related to knowing you as a customer. 

To the bank, especially online we’re all just a number to be exploited for maximum profit. No one will be given preferential treatment in that sense.