Lloyds close my account without any reason, can I reopen the account after few years?

dkdhbo2

Hello everyone,
I received a letter told me my account will be closed in 65 days, and "any accounts you may open with the bank at any future point in time" will be closed without further notice. Does anybody also receive the same letter and reopen the account successfully? Am I blacklisted by the Lloyds and cannot open any Lloyds account for my entire life? When can I reopen the Lloyds group account?
Many thanks for any help.

[Deleted User]

Your money management has, clearly, triggered an alert on their system - you now need to look at your habits and see why that is.
Try opening with a different bank.

elsien

What have you been doing that is against their terms and conditions?

colsten

I would assume that “at any future point in time” means “at any future point in time”, and move on. Lloyds are not the only game in town. A large issue would be if Lloyds register a CIFAS marker for you, so you need to keep an eye on this

eskbanker

dkdhbo2 said:

Am I blacklisted by the Lloyds and cannot open any Lloyds account for my entire life? When can I reopen the Lloyds group account?

Even if they allowed you, why would you want to restart a relationship with a bank that's told you where to go?

dkdhbo2

elsien said:

What have you been doing that is against their terms and conditions?

I have no idea about that ....

dkdhbo2

[Deleted User] said:

Your money management has, clearly, triggered an alert on their system - you now need to look at your habits and see why that is.
Try opening with a different bank.

I am not sure about the reason .... maybe :
1. I changed my address and replace the card.
2. I transfer my salary to a saving account with another bank monthly.
3. I deposited the cash sometimes. (around £1000 per time)

dkdhbo2

colsten said:

I would assume that “at any future point in time” means “at any future point in time”, and move on. Lloyds are not the only game in town. A large issue would be if Lloyds register a CIFAS marker for you, so you need to keep an eye on this

I really don't think I did something wrong. And I haven't found a CIFAD marker. I suppose they will not add any CIFAS marker without evidence?

dkdhbo2

eskbanker said:

dkdhbo2 said:

Am I blacklisted by the Lloyds and cannot open any Lloyds account for my entire life? When can I reopen the Lloyds group account?

Even if they allowed you, why would you want to restart a relationship with a bank that's told you where to go?

just my personal choice. I do like Lloyds ....

Blackbeard_of_Perranporth

dkdhbo2 said:

[Deleted User] said:

Your money management has, clearly, triggered an alert on their system - you now need to look at your habits and see why that is.
Try opening with a different bank.

I am not sure about the reason .... maybe :
1. I changed my address and replace the card.
2. I transfer my salary to a saving account with another bank monthly.
3. I deposited the cash sometimes. (around £1000 per time)

This may lead to why your account has been closed.

dkdhbo2

Yes ... I think so...