Hi BankFodder,
I'll wait until I receive Lloyds letter, then was considering either
i) asking the bank for cash, as you suggested (which I think is highly UNLIKELY, based on their latest dictat)
OR
ii) attempting an online purchase to use the credit - which may/not work - since the account currently reads: £28.98 current balance BUT "Available credit - £NIL [Credit limit £500]".
When I closed my C/Card account, Lloyds automatically reduced the Credit limit within it to just the £500.
The financial incentive to "switch" current accounts (to a Building Society) meant closing my existing Lloyds Current a/c as a pre-condition of the Switch.
I'm retired;
I'm a devil simply for FAIR/JUST TREATMENT, however must time it will take up!
Q) What right do you feel Lloyds has to require the information? You did appear to agree it didn't have any right, in your earlier thread.
Hi BankFodder,
my apologies, I hadn't read your second thread!
I've been with Lloyds since being allocated this account after the 2013 split from 'Lloyds TSB' (formed in 1985).
Formerly I was just with TSB since 1965 until Lloyds merger! Over the last few years I've had SO many reasons to raise complaints about their unfair treatment of their customers - and each has been upheld.
The final straw for me was when they treated their Trustcard customers so abysmally, whereby they gave less than 2 months notice to use up all of the Trustcard points they'd accumulated; they LIED and maintained they only had to give 2 mths.
Many thousands of customers lost 1000's of points due to this - and NEVER realised Lloyds lack of integrity.
For those who pursued their complaint, we established that they were actually bound to have given 6 months notice!
Some of us got compensation as redress - and for the unspent points. Lloyds NEVER disclosed the truth to all of their affected customers - hence no consistent treatment for all! You're right when you refer to BULLIES!
I'd always been going to close ALL my accounts with Lloyds this year, which I did.
Re: my C/Card a/c, I waited until my Cashback anniversary in Nov. when I was told I'd receive the refund.
Subsequently, I was advised I had to wait until they credited my C/Card account, which was on 30/12/22.
I closed my C/Card a/c on 21/11/22 regardless, although Lloyds "keep it open" for c 3 mths thereafter.
So, the £28.98 is the earned Cashback sitting as a credit on my C/Card account (I no longer have their current a/c, so they can't "transfer" it there).
I'd be interested as to how you can help me, please?
Thanks in advance. KR's.