Halifax Credit Card to Lloyds migration

stumccly

hi has anyone had problems with their Halifax credit card accounts. Back in sept well before the 5th oct after getting my Halifax statement in their app, I received an invitation to download and move my account to Lloyds, I carefully followed their instructions , but Lloyds would not recognise my account . So I went back to Halifax app and found that I was now locked out due to me accepting their invitation to migrate to Lloyds. I tried the website and same thing locked out of account. I tried registering with Lloyds website but my account was not found and I was rejected from their website. I waited unti 5th Oct since that was the date they said it would go live, but same result for me locked out of my accounts and unable to register with Lloyds. Now I have had no communication from Halifax or Lloyds. I did not receive an October statement and my emails have gone unanswered. Anyone had same experience?

flaneurs_lobster

Think I'd be giving Halifax and/or Lloyds a ring.

MEM62

I migrated without any issues. In fact, it was surprisingly easy. Maybe time to contact Halifax / Lloyds.

Nasqueron

My only problem was the Halifax spending authorisations would not come through on Lloyds app. I have previous migrated the cards fine

SiliconChip

I didn't need to migrate anything, my Halifax current and credit accounts just showed up in the Lloyds app.

stumccly

thanks for all your comments. Phoned Halifax which is now a Lloyds foreign call centre. When I got invited to join the Lloyds app from the Halifax app things seemed to go fine. I got an account verified message from Lloyds and a welcome screen saying that all my account info was now transferred across to Lloyds, however when I tried to access my credit card acc I got the message from Lloyds app that no acc existed. This was on the 12th September 26, when speaking to Lloyds by phone it was a very noisy environment on their end and speaking in a very accented sometimes broken English. The gentleman told me that they had closed my account without asking me or getting my consent first, he also said that my balance had been written off, this sounded very suspicious . Alarmingly he also told me to phone a third party someone called link finance instead, I have never heard of them or had any dealings with any such company before. Now I a, m not sure what to do. This is not what you expect from two British banks such as Halifax or Lloyds. I know there are scams out there concerning this merger, but the phone number was straight off my last Halifax monthly statement. The other thing that is not quite right is that Lloyds claimed my account was closed end of august if that was the case why did I still get emails from Halifax about joining Lloyds and also getting a welcome account verified msg from Lloyds and my username Aloso from Lloyds on the 12th September 26, sounds like a mess created out of merging two banks and blaming customers. Is anyone in a similar predicament? Or does any more technical financial savvy members on this forum have any advice for me please. Thanks in advance

flaneurs_lobster

Did/do you have an outstanding balance on the Halifax card? A significant sum?

When did you get the last statement from them?

If so, have you made (at least) the minimum payments due on the debt since September?

May be some confusion here between 'having an online account' (meaning being able to log into a bank's website and see your details) and 'having a credit card account' (which means just that).

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82193209#Comment_82193209

Please try to use some paragraph breaks, trying to read walls of text is very wearing and means people are unlikely to read past the first couple of lines.

stumccly

hi all , yes there was an outstanding balance, but everything was up to date payments wise, with no missed or late payments , ever, my last Halifax statement was 10th sept 26, payable by 5th Oct 26 , this payment which was the amount requested by Halifax was made and cleared into the account successfully. This is the confusing part because Lloyds claim that the acc was closed in august.

Every time I use the online chat they tell me to phone.

Halifax or Lloyds have not contacted me in any way shape or form about any problems on my acc.

Nasqueron

https://forums.moneysavingexpert.com/discussion/comment/82193209#Comment_82193209

This information is also largely wrong, banks use call centres wherever they want, some fully offshore them so regardless of time that you call you won't get a British one, if they choose to operate. It may even be a British call centre just someone has an accent!

Sending a SAR may not produce quick results, better to check credit file and see what was reported - Lloyds are suggesting both that they wrote off the debt but also the mention of Link implies they sold the debt to a collector. It's possible they took it back in house and closed it due to a review and decided it was irresponsible lending so decided to clear the debt.

Finally if you actually read the OP, they cannot access their account through Lloyds or Halifax, so telling them to use the link inside the Lloyds app is rather fruitless as they already said they cannot get in.

Nasqueron

https://forums.moneysavingexpert.com/discussion/comment/82193121#Comment_82193121

Banks are allowed to close accounts as a business decision, similarly, selling off old debts, they do not need your consent to do this. If you had a persistent small debt, they may have decided it's not worth continuing to run it and have written it off and closed the account. That said, if they sold it to a third party you should check your credit file and see what is being reported e.g. if they have a debt outstanding