Lloyds Banking Group chat

Financial Chat Fintech Chat
952

It was my mortgage lender who essentially alerted me to the National Hunter notice. When I did a DSAR, the submission was done by Lloyds.

I must admit it left a sour taste but I sort of seen it from their side. In the end, when I went to my mortgage broker shortly after, I rulled all of LBG out. I couldn’ trust what they advertise would always be what they practice. Mistakes happen and I was OK with, but the complaint stage felt like a brick wall and sort of pointless

Somehow, I ended up entirely with Virgin Money for all banking and lending. The pots system they use is a little shalow but they pay interest and more than Lloyds standard savers. Although they could do with a few less platforms for managing products.

1 Like
953

Did you escalate it to the Ombudsman? It’s concerning that opening multiple non-credit products can have such a severe impact on one’s ability to apply for credit.

2 Likes
954

That kind of fits with what I’ve read, they are quite secretive. So you may not know you’ve been flagged unless someone in the know tells you.

1 Like
955

I didn’t unfortunately, as I didn’t find out for more than 6 months later and after I had gotten past my ego :slight_smile: .

956

I quite like this new redesign that’s appeared for me this morning. Looks a lot more modern and now my accounts are viewable without a scroll. Seems to be less self promotion so far too.

3 Likes
957

Has Lloyds always shown pre eligibility like this?

IMG_8193
IMG_81931179×2556 230 KB

Also seen it doesn’t hard check for overdraft applications.

3 Likes
958

I noticed that too, it came up after I checked my credit score. I’ve not seen it before.

I know they used to give an indication about overdrafts but nothing like this. It’s good.

1 Like
959

This is a great concept, I really like it. Especially the overdraft giving you an approximate limit.

I always wondered though - when they say “We think”, what are they getting from a hard check that they don’t get from a soft check? In other words why is it “We think” rather than “We can offer you”?

1 Like
960

IMG_8196
IMG_81961179×398 75.2 KB

I recall it saying something like “based on the information we know about you”, possibly meaning the income information you can provide in settings?

Then a soft check validates that :man_shrugging:t3:

2 Likes
961

Bank of Scotland has been like this for a long time I’m sure when you go into the credit score section.

2 Likes
962

Lloyds has never (as far as I’ve been with them) conducted another hard search for another account opening, overdrafts. Same as Halifax.

They might have done for my credit card I can’t remember now

963

Yes, they make you agree to a credit check though so that could change at any time.

So far as I know it applies even to credit cards…

964

IMG_8219
IMG_82191179×1009 77.2 KB

The visa thing disappear for anyone else?

1 Like
965

IMG_4279
IMG_42791290×1268 96.7 KB

1 Like
966

My account is just broken all levels :cry::joy:

1 Like
967

The horse don’t like you.

1 Like
968

Hi - just checking if you had any insight on when the new app may launch on android in September? Thanks.

969

Update on Apple Pay:

The decline (according to Lloyds) is an Apple policy decline, as Apple have the device marked as high risk.

Which is strange as any other card works, both visa and Mastercard.

They referred me to Apple.

Apple say they can’t troubleshoot iOS 18 as it’s in beta, and to call back once the genuine iOS 18 releases and they will troubleshoot.

The processes are exactly the same as iOS 17 apparently, but cuz 18 no dice.

So will see Monday.

970

Apple does that when they suspect wrongdoing - high numbers of cards unfortunately flag it. I had this a while ago - apple didn’t help at all, they didn’t even know what was happening. I only found this out through looking online as someone else had posted about this issue online. Shouldn’t flag when all the cards are in the same name IMO, but anyway

2 Likes
971

I didn’t realise that was even a thing