Sends Lloyds a replacement debit card when prior one was not used for a longer time?

terryjerryz

I have not used my debit card from Lloyds and didn't do any transactions (in generall I didn't use that account) for 1.5 years before it expired. Did they send me most likely a replacement card? I'm living since years abroad and don't know who lives at my old address. Unfortunately I couldn't find any helpful information, only on NatWest website I've read:
"If you haven't used your debit card for at least 13 months prior to expiry, we don't automatically replace your card. Using your debit card with your card-reader to approve a new payee within Online Banking will not be recognised as card activity." - so does anyone know if that's a rule in entire UK or it concerns only NatWest and varies from bank to bank? Thanks in advance!

[Deleted User]

It varies by bank.

If you've moved abroad, you need to update your bank.

terryjerryz

If someone knows then how it's by Lloyds, please let me know

northwalesd

I dont know specifically about Lloyds, but Halifax which is part of the same group do not replace debit cards if you don't use them (at least in my experience)

molerat

northwalesd said:

I dont know specifically about Lloyds, but Halifax which is part of the same group do not replace debit cards if you don't use them (at least in my experience)

And the same with BOS

etienneg

terryjerryz said:

If someone knows then how it's by Lloyds, please let me know

I can confirm that Lloyds do not automatically send out a replacement card if the old one hasn't been used for a long time, as it's just happened to me. They wrote ahead of the old one expiring to say so. If I wanted a replacement (which I did), I needed to request one through online banking (or their app, I think), which was very simple indeed and the replacement arrived within a few days.

You really need to sort out the address situation with the bank.

terryjerryz

etienneg said:

I can confirm that Lloyds do not automatically send out a replacement card if the old one hasn't been used for a long time, as it's just happened to me. They wrote ahead of the old one expiring to say so. If I wanted a replacement (which I did), I needed to request one through online banking (or their app, I think), which was very simple indeed and the replacement arrived within a few days.

You really need to sort out the address situation with the bank.

Cool, thank you so much etienneg! Do you remember how long exactly does a card need to be not used? And regarding the address - I've never changed it because I set up all of my correspondences for online/paperless so I guess they shouldn't send anything per post. Do they? E. g. annual statements of fees I receive online. 

born_again

terryjerryz said:

etienneg said:

I can confirm that Lloyds do not automatically send out a replacement card if the old one hasn't been used for a long time, as it's just happened to me. They wrote ahead of the old one expiring to say so. If I wanted a replacement (which I did), I needed to request one through online banking (or their app, I think), which was very simple indeed and the replacement arrived within a few days.

You really need to sort out the address situation with the bank.

Cool, thank you so much etienneg! Do you remember how long exactly does a card need to be not used? And regarding the address - I've never changed it because I set up all of my correspondences for online/paperless so I guess they shouldn't send anything per post. Do they? E. g. annual statements of fees I receive online. 

Well they have to send cards out... As well as other details. If any of these get returned. They can block access to the online acc to make you call them.

You need to contact them and advise them of the change of details. If you are no longer living in the UK. then they need to know. If they had sent a card out & it was used, then you could be liable due to not informing them of change of address & status.

eskbanker

https://www.lloydsbank.com/assets/media/pdfs/current-accounts/personal_banking_terms_and_conditions.pdf

You must tell us if your name or contact details change. If you don’t tell us, we will not be responsible if we cannot contact you or we send confidential information to an old address. We may charge reasonable costs for trying to find you if your contact details are out of date.

etienneg

terryjerryz said:

Cool, thank you so much etienneg! Do you remember how long exactly does a card need to be not used? And regarding the address - I've never changed it because I set up all of my correspondences for online/paperless so I guess they shouldn't send anything per post. Do they? E. g. annual statements of fees I receive online. 

I am also set to paperless, so the letter they wrote to me appeared in my bank inbox rather than through my front door. It said I had not used my card in the twelve months up to the date of the letter (which was about 2.5 months before the card expired). This isn't a guarantee that that's the timescale set in stone - it's just what happened to me.

Again, no guarantees, but if you haven't received such a letter in your bank inbox, I suggest you should assume that they did replace your card and act accordingly.

eskbanker said:

https://www.lloydsbank.com/assets/media/pdfs/current-accounts/personal_banking_terms_and_conditions.pdf

You must tell us if your name or contact details change. If you don’t tell us, we will not be responsible if we cannot contact you or we send confidential information to an old address. We may charge reasonable costs for trying to find you if your contact details are out of date.

Personally I would take eskbanker's quote seriously.