Lloyds switch - Application through app - No correspondence

ak07906

Dear forum,

I applied for a Lloyds Club account a week ago through their app.

I went through everything - Passport scan - Credit Check - Acceptance - Switch Agreement - Setup of online login details, then final screen that I should now look out for an email.

I have not heard anything since. Not in my spam, not anywhere. Not from Lloyds, not from the Switch service.

When I contacted Llloyds, they can see my application, they have my correct contact details, and the application looks stuck at the 'fulfilment' stage. But they can't do anything about it (resend confirmation email or manually progress) other than cancel the application. There appears no way of finding out why it is stuck.

They gave me the option to re-apply, which I don't want to do, as it would be another credit check.

- Has anyone else had this issue?
- Is anyone aware for what reasons an application can be stuck this way?

If it is a technical glitch, then it seems unfair that I am now at a disadvantage.
If it was my fault in some way, I would like to know what it was!

Thank you!

lucyraeclarke

Hey, just made an account on here when I saw this because I'm having the exact same issue and was about to call them tonight. I applied on Monday, same process, and ZERO contact from them. I really want the bonus so it is concerning. 
I however will try re-applying if theres no solution after my call with them, as my credit is in good standing and not needed for a while, so I'll up date you on the progress for me 

So no I dont think its your fault, as seems we applied at the same time-ish with the same issue. Maybe application backlog because of people wanting the bonus? 

Rawrzy

When I did the switch last year I had an issue where I opened the account on the website, they sent me an email after asking for ID within the next 14 days with the option to submit online, which I did, but then I got no response. After a bit over a week of no news I phoned them up since I was a bit worried due to the deadline and they said I was best going into a branch to sort it out as they weren't sure what was happening. After going into the branch  they saw the application and on showing my ID again they opened it there and then on the spot.

So going into branch might be an option if it isn't out of the way.

lucyraeclarke

Rawrzy said:

When I did the switch last year I had an issue where I opened the account on the website, they sent me an email after asking for ID within the next 14 days with the option to submit online, which I did, but then I got no response. After a bit over a week of no news I phoned them up since I was a bit worried due to the deadline and they said I was best going into a branch to sort it out as they weren't sure what was happening. After going into the branch  they saw the application and on showing my ID again they opened it there and then on the spot.

So going into branch might be an option if it isn't out of the way.

annoyingly the nearest branch to me is a 2 hour return drive, always what puts me of high street banks compared to digital banks. 
As it was I had to drive 2 hours to barclays recently for a similar issue with an address change not working, cant keep taking time and gas like this 

ak07906

lucyraeclarke said:

Hey, just made an account on here when I saw this because I'm having the exact same issue and was about to call them tonight. I applied on Monday, same process, and ZERO contact from them. I really want the bonus so it is concerning. 
I however will try re-applying if theres no solution after my call with them, as my credit is in good standing and not needed for a while, so I'll up date you on the progress for me 

So no I dont think its your fault, as seems we applied at the same time-ish with the same issue. Maybe application backlog because of people wanting the bonus? 

Thanks for getting back to me! Please share what your phone call reveals. After ringing three times, I got three slightly different takes on the matter (none with solution). Although my credit history is good, Lloyds may not like that a previous check was done by them within a week.

Rawrzy

lucyraeclarke said:

Rawrzy said:

When I did the switch last year I had an issue where I opened the account on the website, they sent me an email after asking for ID within the next 14 days with the option to submit online, which I did, but then I got no response. After a bit over a week of no news I phoned them up since I was a bit worried due to the deadline and they said I was best going into a branch to sort it out as they weren't sure what was happening. After going into the branch  they saw the application and on showing my ID again they opened it there and then on the spot.

So going into branch might be an option if it isn't out of the way.

annoyingly the nearest branch to me is a 2 hour return drive, always what puts me of high street banks compared to digital banks. 
As it was I had to drive 2 hours to barclays recently for a similar issue with an address change not working, cant keep taking time and gas like this 

Yeah I had issues with barclays too that required me going into the branch. Both of them aren't super close to me either (40mins bus journey either way). So I can definitely relate. I just justified it as I could do some shopping at the same time and the switch would fund it, lol.

dc_scotland

In case you don't have it, the direct number for the switching team is 0345 6049956.  Unless things have changed recently, I believe their hours are Mon-Fri 9am to 5pm.

lucyraeclarke

ak07906 said:

lucyraeclarke said:

Hey, just made an account on here when I saw this because I'm having the exact same issue and was about to call them tonight. I applied on Monday, same process, and ZERO contact from them. I really want the bonus so it is concerning. 
I however will try re-applying if theres no solution after my call with them, as my credit is in good standing and not needed for a while, so I'll up date you on the progress for me 

So no I dont think its your fault, as seems we applied at the same time-ish with the same issue. Maybe application backlog because of people wanting the bonus? 

Thanks for getting back to me! Please share what your phone call reveals. After ringing three times, I got three slightly different takes on the matter (none with solution). Although my credit history is good, Lloyds may not like that a previous check was done by them within a week.

Okay Update- Phone call was very clear the employee doesn't know either, and essentially said "if you had no reply after 3 days, assume its been disregarded and re-apply" (??)
So I did, but this time I did it online as we both did it via mobile before with this issue, I used the same username for internet banking too as my first application and guess what? My account was IMMEDIETLY opened..

lucyraeclarke

lucyraeclarke said:

ak07906 said:

lucyraeclarke said:

Hey, just made an account on here when I saw this because I'm having the exact same issue and was about to call them tonight. I applied on Monday, same process, and ZERO contact from them. I really want the bonus so it is concerning. 
I however will try re-applying if theres no solution after my call with them, as my credit is in good standing and not needed for a while, so I'll up date you on the progress for me 

So no I dont think its your fault, as seems we applied at the same time-ish with the same issue. Maybe application backlog because of people wanting the bonus? 

Thanks for getting back to me! Please share what your phone call reveals. After ringing three times, I got three slightly different takes on the matter (none with solution). Although my credit history is good, Lloyds may not like that a previous check was done by them within a week.

Okay Update- Phone call was very clear the employee doesn't know either, and essentially said "if you had no reply after 3 days, assume its been disregarded and re-apply" (??)
So I did, but this time I did it online as we both did it via mobile before with this issue, I used the same username for internet banking too as my first application and guess what? My account was IMMEDIETLY opened..

* edit: I forgot to add, there was no ID check this time either, so I assume they got it from my first application, so clearly it does recognise me on the system...I wonder if this is a mobile glitch where mobile applications arent being fully tracked on their system but just enough that it recognises us? Im not sure, Im just thankful its open and my switch should start on Tuesday 
But if what I was told on the phone is true, you may be waiting forever if you dont wish to re-apply. And if you do, Do it on the website! 

lucyraeclarke

dc_scotland said:

In case you don't have it, the direct number for the switching team is 0345 6049956.  Unless things have changed recently, I believe their hours are Mon-Fri 9am to 5pm.

ah I just called the "current account" number on their contact page, theyre open till 8pm which is much better around work hours 

ak07906

lucyraeclarke said:

Okay Update- Phone call was very clear the employee doesn't know either, and essentially said "if you had no reply after 3 days, assume its been disregarded and re-apply" (??)
So I did, but this time I did it online as we both did it via mobile before with this issue, I used the same username for internet banking too as my first application and guess what? My account was IMMEDIETLY opened..

* edit: I forgot to add, there was no ID check this time either, so I assume they got it from my first application, so clearly it does recognise me on the system...I wonder if this is a mobile glitch where mobile applications arent being fully tracked on their system but just enough that it recognises us? Im not sure, Im just thankful its open and my switch should start on Tuesday 
But if what I was told on the phone is true, you may be waiting forever if you dont wish to re-apply. And if you do, Do it on the website! 

Thanks so much for sharing. Glad you got accepted!