LloydsTSB & FOS

[Grizza]

Well, I'll keep the story brief, I put in a complaint against LloydsTSB, with whom I have banked with for the last 3 years, as I have been asking for an account upgrade from my basic account, which they still refuse to do.

I have run a good account, have my wages paid into it each month, which is well in excess of £2,000+, yet they won't upgrade my account! Now, the reason for having my account upgraded is, apart from the fact I would like a 'normal' account, is the fact their debit card only works in their LloydsTSB machine's. Now I work all kinds of hours, and sometimes very long hours, if I need to get some cash out I have to go searching for a LLoydsTSB cash machine!

I have aksed to be upgraded many times, and can see no reason why they cannot upgrade my account? I have not asked for any borrowing, and I present no risk to the bank as they no longer issue cheque guarantee cards, so where is the risk?

 

Now, my credit history is not the best, I have a couple of credit cards, one gets paid off in full each month, but what really annoyed me is I know of a few cases where they have upgraded a persons account after only banking with them for about 7 months, dispite having CCJ's on their account!!!

 

This is discrimination, and I reported the matter to the FOS, who have so far taken about 4 months looking into this, and I have just recieved a letter, telling me they are giving LloydsTSB upto another 3 months to respond! This is a joke!!!

 

BTW: Before anyone tells me to go to another bank, I like LLoydsTSB online banking service, its better than most. i also do not want to spend further years having to prove myself to another bank!!!

[adajam4]

Go in to Lloyds and speak to the manager there, or a senior member of the team and ask them if they can upgrade you. I was in EXACTLY the same position as you 3 or so years ago. I spoke to a senior member who upgraded on his authority.

[Grizza]

Go in to Lloyds and speak to the manager there, or a senior member of the team and ask them if they can upgrade you. I was in EXACTLY the same position as you 3 or so years ago. I spoke to a senior member who upgraded on his authority.

 

I have already been in there a few times, they said they can't overrule the decision. they did phone up another department, but it was declined!