Oops I wasnât looking at the dates. I read the forum often on my lunch whilst eating and absentmindedly scrolling
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And same tweet from Lloyds Bank.
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Anyone with the displey plus perk, can you please share the email title? I canât find it. Itâs been 2 weeks and they told me itâll take 3 days to arrive 
oh cheers!
Just a general observation & wondered if anyone else were noticing the sameâŠ
I bank with Halifax & the notifications lately have been delayed. Iâm talking 30 mins to a few hours. Not sure if itâs same with Lloyds or BoS.
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Itâs the same with Lloyds, and has been for years. Sometimes you get the notifications straightaway, but sometimes they arrive hours later. Iâve even had them the next day, occasionally. It doesnât matter to me, as notifications arenât a priority, but I know they are for some people.
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This is the first of me noticing lol. Theyâre usually instant but noticed this past week theyâve been mega slow. I woke up one morning to a few notifications of receiving money/debit card spends and Iâm sitting there in a daze thinking⊠Iâm sure I bought that the other day lol.
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Just reviewing accounts to close and thought Iâd give Lloyds another look, and seemingly been able to add Starling personal and joint accounts via Open Banking to view both within the app.
Always thought it was one or the other.
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I opened a Club Lloyds account purely for the free Disney+ but my god it takes forever for it to be activated.
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I had my first interaction with the Lloyds fraud team after my credit card details were used to attempt a purchase on Amazon, which they declined.
I had two texts, one telling me it was from Lloyds and then a second asking if I had made this purchase.
I also had a few calls which I let go to voice mail and they left a recorded automated message with a number to call.
The number lists on various internet phone logs as a mixture of genuine and scams, and you canât find the number on Lloyds own website or in app.
I phoned the number on my card, and they confirmed above. It was all as you would expect apart from taking 40 minutes to speak to someone.
I do think the process could be improved, given how easy it is to spoof text messages. I struggled to believe the texts were real and the calls make you feel pressured. They were however genuine.
I still wondered how the card was cloned as I hardly use it, I also donât use it online.
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Itâs the same process as most banks.
I could take your mobile number and report it continuously online as a spam number and eventually the results would show youâre a spam caller to everyone, same process for the banks numbers, just false reporting.
Itâs good to be diligent and yes, they could just say call the number on the back of your card and ask to speak to the fraud team.
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At a guess itâs a routing simplification, call directly through to fraud and be handled efficiently, opposed to call the lost and stolen, speak to them, ask them to transfer you to fraud etc.
Itâs probably a huge effort, but they could recognise the account number calling in and route directly to fraud instead.
When Iâve called virgin media in the past itâs said something like are you calling about a recent outage in your area kinda thing, it had (wrong) idea, but knew who I was and made a good effort to direct me.
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Would be good if they could utilise the app for it, send a notification saying we have tried to call you, speak call us back on ⊠or tap here to call us through the app.
Fraudsters thus far havenât been able to communicate inside a banking app I donât think 
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Itâs exactly this. Itâs well documented that fraudsters can make texts appear as though theyâre from a bank.
Itâs also documented that fraudsters will attempt to place you under pressure.
So when a bank starts texting, indicating fraud and then calling every number they hold for you and repeatedly. Itâs not a great way to handle things, it fits right into the play book of fraudsters.
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âwe may automatically activate some offersâ.
âmayâ and âsomeâ leaves it very vague. Which offers will they automatically activate, and which ones wonât they? Will it be the ones Iâd want to use, or the majority which are of no use to me?
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When it comes to Lloyds terminology Iâd say all of them.
They used to use âmayâ in their scripts, which really meant we will.
Could be a sign theyâre due to change them up, introduce better offers now theyâve seen Monzo step up their game 
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Yes, most of these âmayâ in T&Cs are really âwill but may not under special circumstancesâ.
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ââŠwe realised that no one activates these offers, and so we spent all that marketing money and get none of your data in return, so weâre activating the offers automatically in order to make back our money from you.â
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