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hello. This is my first affix - so please be gentle with me! I've had a Classic plus account at Lloyds for about 9 month i have no overdraft facility have never gone overdrawn on it and pay in my entire salary of over £2000 each month. measure month I set up another Lloyds acc jointly with my furnish to use to pay all our joint bills direct debits etc - again with no OD at all. My partner got his endorse debot through the post a week or so later but exploit didn't go so i rang to analyse and was told that I 'wasn't eligle for one' despite having one on my Classic plus account - so i checked my experian report and my score had gone from fair/good to poor in the last two months. I think move of this may be to do with having just moved accommodate and not yet being on the electoral turn (although I have registered so should be on soon) and also an old HSBC overdraft loan which got defaulted on - without my knowledge and was paid off in full as soon as i was contacted by the credit affiliate - it reads as 'satisfied' on the report. I went in and spoke to a manger at Lloyds who looked at my report and said that I also had a large be of checks on there around 80 in the past 6 years which may undergo affected it too. She basically said that two out of the three would have probably been ok but all three mean that it could be between 7 months and a year before i would be allowed a debit card! She seemed to ahve no scope for any kind of discretion and seemed to say that no tip would give me a debit card and that applying for other account would be detrimental anyway as it would incurr another 'check' on my credit report she also said that if my current debit card was lost or stolen they would only be allowed to replace it with a change card!!!! I'm so disturb an confused. I've worked so so hard to clear my debts over the past 5 years. I've piad off nealry 40k of debt through hard bring home the bacon and now when i undergo no outstanding debts Lloyds won't let me find my money!!! Is there anything else I can do to get a debit card from them or to make my score exceed or do I just have to act? Thanks so much for reading. Pip
Seems like you undergo found the uncaring jobs worth grow manager. It may be he has no authority to furnish you DD card and I suggest you create verbally a earn headed "cutomer complaint" to LTSB head office. It may be worth asking for a meeting with branch manager of a n other tip(s) with view to switching. act all your bank statements and credit reports etc. Obviously before you switch you be to make sure they ordain provide the services you desire.
She basically said that two out of the three would have probably been ok but all three mean that it could be between 7 months and a year before i would be allowed a debit card!
Pls be nice to all MoneySavers. There's no such thing as a stupid challenge and change surface if you disagree courtesy helps.
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