£125 Lloyds Switch Offer 1 October to 12 November 2019

I’m with First Direct at the moment and have never had any issues, but am tempted to go for this Lloyds offer whilst it’s available

Anon wrote: »

This seems like my experience too - open, only later to receive a text message (then letter) declinging the application. Given how many people were playing with previous switch offers, we can't be the only ones affected? It would be interesting to know if anyone has managed to recover the situation after experiencing this.

You just need to ease off the applications. It's often the Hunter "application velocity" trigger that causes them to decline in this way. They'll look at your credit file the day after the application and you should see an 'unrecorded enquiry' from Lloyds.

You'll then get the following letter:


They leave this in their internal notes:


CCFD is Credit and Counter Fraud Decisioning.

Anon wrote: »

Thank you - I hadn't applied for any bank accounts since June (for Santander) - well apart from downgrading the CL to Classic. The text of our letter is slightly different

It mentions at the end if you want to discuss, call X but is there any point? Has anyone had these decisions changed? If not, how long are we blacklisted for?

Thank you

I've had that letter before too. The one I posted before is where you've failed stage 2 credit checking. That one is where you've passed stage 2 credit checking but failed stage 2 fraud checking (check if they've marked any previous applications with National Hunter as 'inconsistent') so they think something is amiss with your application or are concerned about the number of applications.



There is another too where they load the info onto CIFAS:



In this case, the application was done by phone and whoever keyed the application added a 0 to the income figure and they put it down as application fraud on CIFAS (as I just so happened to accept the overdraft offered so they thought I was trying to fraudulently obtain credit)! They revoked the CIFAS entry without any discussion with me when I made a subsequent application the next day with Halifax with the correct income figure and they must have realised their mistake as when I got the SAR request back from CIFAS it was clear. I later found out from them that's what had happened.

Have you sent a SAR to National Hunter? You may find the problem lies there.

Ed-1 wrote: »

I've had that letter before too. The one I posted before is where you've failed stage 2 credit checking. That one is where you've passed stage 2 credit checking but failed stage 2 fraud checking (check if they've marked any previous applications with National Hunter as 'inconsistent') so they think something is amiss with your application or are concerned about the number of applications.



There is another too where they load the info onto CIFAS:



In this case, the application was done by phone and whoever keyed the application added a 0 to the income figure and they put it down as application fraud on CIFAS (as I just so happened to accept the overdraft offered so they thought I was trying to fraudulently obtain credit)! They revoked the CIFAS entry without any discussion with me when I made a subsequent application the next day with Halifax with the correct income figure and they must have realised their mistake as when I got the SAR request back from CIFAS it was clear. I later found out from them that's what had happened.

Have you sent a SAR to National Hunter? You may find the problem lies there.

Thank you - it seems you have a full case study dealing with this and them! I will request a SAR from National Hunter too - I have put in a request to CIFAS and to LBG, so may as well find out what they are looking at. Have you managed to get them to reverse their decisions after you have checked your data, or have you just stayed clear? If my something being amiss is simply volume of applications, then I would be guilty of that as I have over this year applied for "a few" accounts with their group. I will miss this current offer anyway now, so may as well find out as I want to ensure that my records (and Mrs Anon's) are clear.

I know serial switching is bound to annoy them, but so far as I am aware it is not against any stated rules (I appreciate they can choose to reject you on commercial grounds or whatever else they decide).

Anon wrote: »

Thank you - it seems you have a full case study dealing with this and them! I will request a SAR from National Hunter too - I have put in a request to CIFAS and to LBG, so may as well find out what they are looking at. Have you managed to get them to reverse their decisions after you have checked your data, or have you just stayed clear? If my something being amiss is simply volume of applications, then I would be guilty of that as I have over this year applied for "a few" accounts with their group. I will miss this current offer anyway now, so may as well find out as I want to ensure that my records (and Mrs Anon's) are clear.

I know serial switching is bound to annoy them, but so far as I am aware it is not against any stated rules (I appreciate they can choose to erject you on commercial grounds or whatever else they decide).

I never called them. I kept getting the letter you got when trying to repeatedly apply so I waited it out a year and then had no problems ever since.

There's also the below letter that they can send if they decide to withdraw existing facilities too:


They also leave this internal note (not sure they should have divulged the internal phone number!):