Club Lloyds waiver

jimjames

I've had overdraft notification for the last few months as a result of the fee being taken (balance generally very low) but account always in credit when I then login to check. Obviously the fee takes it overdrawn long enough to trigger the text message before the credit is applied which is annoying.

Malchester

I have noticed that the fee for my premier current account is now taken one day and returned the next whilst previously it was taken and returned the same day

redux

https://forums.moneysavingexpert.com/discussion/comment/82158932#Comment_82158932

Overdraft notifications can lag by a several hours anyway.

I had a text message at 0940 this morning about an overdraft

At a few minutes after midnight I had noticed that a quarterly direct debit for a magazine subscription, predicted in upcoming transactions for the 11th, had just happened. I transferred in £11 straight away then.

So the text message was no longer true when sent over 9 hours later.

friolento

https://forums.moneysavingexpert.com/discussion/comment/82158932#Comment_82158932

If the notification bugs you (it would bug me), why not just leave a fiver in your Club Lloyds permanently?

Anagran

I thought I had an issue this month when I noticed I was overdrawn as I hadn't had the £5 creditted back. On closer inspection though it seems I forgot to pay in the £2000 last month! I have added it back onto my monthly to do list, no idea how it got off of there, must have deleted it by mistake.

jimjames

https://forums.moneysavingexpert.com/discussion/comment/82159275#Comment_82159275

It's Premier so would be £15 but it doesn't annoy me enough to do that!

danny13579

friolento I wish they'd sort out their Challenges and Offers for good, it's such a mess.

Challenges are very hit and miss. Offers are a real annoyance, they've never worked for me and Lloyds are loading a pile of (presumably paid for by advertisers) offers in to my Activated Offers. 11 this month, none of which I've added myself! Stuff I would never buy. Very annoyingly it includes an offer for Meta AI glasses, more commonly known as perv glasses! 😳

So I'm not going near Offers anymore, but will continue to do the Challenges, on the rare occasion that they work. 🙄

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82160325#Comment_82160325

Every so often they'll slip in an offer (10% cashback on supermarket spend) which I'll be happy to use, but probably by design I need to check through pages of 'perv glasses' every week to spot the useful ones.

danny13579

flaneurs_lobster While you are of course right, I find a lot of these 10% offers also appear regularly in NatWest and RBS reward offers. No sign of perv glasses there (so far) either! 👍️

NatWest and RBS reward offers tend to work for me unlike Lloyds offers, and I don't need to add them to an "Activated offers" list, which is already pre-populated with crap I have no interest in.

molerat

https://forums.moneysavingexpert.com/discussion/comment/82160377#Comment_82160377

Whilst on the subject of perv glasses, if you know anyone who is easily sold products don't let them go to Vision Express as they do a hard sell on them. They managed to sell a couple of my very non techy OAP relatives a pair each, one pair doesn't get used at all and the other sits in the car as normal sunglasses, they can't figure out how to actually use them.