Lloyds Banking Group Chat šŸ«

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604

I liked the fact that screenshots didnā€™t work tbh, would be worth it being a toggle instead of fully on or off

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605

At a guess, the screenshot being disabled also meant screen record software was also not possible.

Including software such as AnyDesk (fraudsters paradise) etc for taking over devices.

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606

Had a bank of Scotland app update and theyā€™ve written in the notes that screenshots are back based on feedback :sweat_smile:

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607

Just noticed the Upcoming payments section in the Lloyds app, two taps from loading the app, and shows me in date order what payments are due when on a timeline over the next 30 days.

Handy for visually seeing whatā€™s next.

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608

https://www.moneysavingexpert.com/news/2024/06/overdraft-rate-changes-lloyds-halifax-bank-of-scotland/?utm_campaign=mse_home

Lloyds group to increase overdraft APR to 49.9% from August 2024

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609

Thatā€™s insaneā€¦

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610

Lloyds have always been great at fucking over the customers

image

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611

Signs that Lloyds are struggling

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612

19.9, 29.9, 39.9 or 49.9%

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613

Thought they started to do this back in 2020 well they went up a max of 49.9%

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614

Iā€™m not so sure, but I do think itā€™s criminal the FCA let banks charge so much on overdrafts, or credit cards with any lender.

ā€œ ALL Bank of Scotland, Halifax and Lloyds customers will be on (or moved to) one of these:

- 19.9% - 29.9% - 34.9% (temporary rate for six months only; after that it goes up to 39.9%) - 39.9% - 44.9% (temporary rate for six months only; after that it goes up to 49.9%) **- 49.9%**ā€

Such rates could open the door to more lending options (look at monzo flex build), to offer more, and take the risk with higher rates.

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615

Do we have credit unions here like in Ireland? Iā€™m still pre approved for up to ā‚¬65k at 3% at my local CU in Kildare (just have to not mention I donā€™t live there anymore - still have the family address), took another loan out a few months ago and stuck it in a slightly higher interest savings account

Itā€™s like a small, county based CU that Iā€™ve been a member of for decades, and probably wouldnā€™t have much hassle getting a mortgage from - not seen anything similar locally here

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616

We do, but the rates arenā€™t far off the normal rates I believe.

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617

I donā€™t think that the UK credit unions can issue mortgages. Theyā€™re mainly for savings and smallish loans (Ā£15k maybe). Rates are lower than elsewhere usually by a few % or so. Some do prepaid cards but I donā€™t think any do full on banking.

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618

Some do current accounts but they tend to have fees attached.

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619

There are definitely credit unions that do mortgages, and full current accounts.

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620

Does the club Lloyds Ā£50 remain at 0% once these changes kick in or does that go to 49% too please?

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621

Iā€™m sure I read the Ā£50 remains interest free.

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622

Can you suggest any?

623

Credit Unions in the UK are often limited to a geographical area and require either a home or work address in that geographical area.

Iā€™d suggest using your search engine of choice to draw up a list (there may only be one, or none) of credit unions in your local area and picking the one which best suits your needs.

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