Bit naughty opened a LTSB account but no cheque book!

[Bosieb]

Hi again, since closing down the Bank of Scotland account thought try for a LTSB current account, got a branch on my doorstep!
Anyway, accepted for their current account - Silver account, offline card. Waited 2 weeks and guess what no cheque book
Went into the branch, got a rather curt cashier (no adviser's available) anyway,he said oh a cheque book has been sent out, should be with you soon.
Mmm I think, anyway rang their phone bank and they apologize for this rather curt cashier, they could not explain why no cheque book sent.

Next afternoon had an answerphone message from an adviser to ring them in branch. I rang this morning and he said 'sorry at this time you can't have a cheque book. Asked me did I have any adverse on CRA files, I said absolutely nothing at all.
On the application it did ask me how many non-LTSB accounts held so had to tick the box 3 other bank accounts held.

I said to him, because the cheque guarantee system has disappeared where was the risk? Finally he said leave it a few month's as it changes frequently the status. I know the CRA's send them updates, but as mentioned my files are very clean!

I've read so much on the dreaded CPD marker, but why give me an offline card, why not offer their basic account?
Any thoughts on this please, or is there a lot more to it then I think. Can opening a new account actually give you a CPD marker thing

I still have my Halifax account open, wonder if that is anything to do with it? Are they an odd bank? LOL

[Never-In-Doubt]

Re: Bit naughty opened a LTSB account but no cheque book!

Hiya

I did get my second HBOS chq book by the way, I wrote and they replied with a cheque book about 8 days later

Lloyds are worlds apart from hbos - mad to swap to them - mad!

[Bosieb]

Re: Bit naughty opened a LTSB account but no cheque book!

Hiya

I did get my second HBOS chq book by the way, I wrote and they replied with a cheque book about 8 days later

Lloyds are worlds apart from hbos - mad to swap to them - mad!

Hi Niddy, have you any ideas how their systems work? Regarding HBOS are their systems now like LTSB? Still got my options open with Halifax. These CDP never heard anything like that.
Glad you got a cheque book through, oh and the account with BOS wouldn't send me a cheque book? Yet I could have upgraded to a Gold account! Don't understand, but curious at the same time.

[Never-In-Doubt]

Re: Bit naughty opened a LTSB account but no cheque book!

Have you written to bos and had a letter back saying no...?

Recently?

[Bosieb]

Re: Bit naughty opened a LTSB account but no cheque book!

Have you written to bos and had a letter back saying no...?

Recently?

I had to write in to close my account and explained why and the reply was that 'at this time we are unable to issue a cheque book on this account' So just closed it, so thought LTSB have the Silver account although £2 dearer, applied and got accepted.
But similar again like BOS no cheque book arrived, it is definitely a full current not their basic. So a bit intrigued if I cn have an off line debit card why not a cheque book.

[Never-In-Doubt]

Re: Bit naughty opened a LTSB account but no cheque book!

Hmmm strange. I thought i'd get knocked back but it just came.

Weird.

The CPD marker would restrict chq books and all other lending but not necessarily the debit card. It's strange - they're still harder to get credit from than HBOS. I'd have stuck with them. As I say I'm only (july to now) 9 months in and have 2 chq books; 3 full accounts and £3500 in overdrafts yet I've got 5 defaults showing - 3 from HSBC in the last 6 months

Credit scoring makes no sense thus you can NEVER compare as no two people are the same.

[Bosieb]

Re: Bit naughty opened a LTSB account but no cheque book!

Yes agree no understanding with credit scoring, so have HBOS kept to their own scoring system and not LTSB's system of doing it.
It's the first bank where I've never been sent a cheque book.
The log in with LTSB is almost identical to say Halifax, BOS.

[Never-In-Doubt]

Re: Bit naughty opened a LTSB account but no cheque book!

HBOS adopted the Lloyds systems pretty much but their credit scoring model is still easier than Lloyds and although HBOS do now use CPD marker they aren't as keen to load one. Lloyds have been known to load one if a monthly feed shows a default/late payment. Totally random tbh

I'd stick with HBOS. Trust me for once

[Bosieb]

Re: Bit naughty opened a LTSB account but no cheque book!

HBOS adopted the Lloyds systems pretty much but their credit scoring model is still easier than Lloyds and although HBOS do now use CPD marker they aren't as keen to load one. Lloyds have been known to load one if a monthly feed shows a default/late payment. Totally random tbh

I'd stick with HBOS. Trust me for once

I really do trust what you say you definitely know your stuff, didn't know half the stuff banks look at until reading your posts on here and the previous place you posted on.
The bloke who phoned me said the situation with accounts changes.
Also not working full time might be a problem as well.

[Bosieb]

Re: Bit naughty opened a LTSB account but no cheque book!

PS: What is the risk to them issuing a check book if the cheque guarantee system has finished?

[SXGuy]

Re: Bit naughty opened a LTSB account but no cheque book!

i had similiar problem with lloyds not issuing a cheque book, when asked, they said they needed to see some account activity for a few months before they would send one out?

[Bosieb]

Re: Bit naughty opened a LTSB account but no cheque book!

i had similiar problem with lloyds not issuing a cheque book, when asked, they said they needed to see some account activity for a few months before they would send one out?

Thanks SXGuy - did you get a cheque book eventually? Without the cheque guarantee service there can't be that much of a risk, if you have zilch in your account they would just bounce the cheque

[Never-In-Doubt]

Re: Bit naughty opened a LTSB account but no cheque book!

Thanks SXGuy - did you get a cheque book eventually? Without the cheque guarantee service there can't be that much of a risk, if you have zilch in your account they would just bounce the cheque

There is still risk associated with cheques as you can use them for PDL's and all sorts, it's just the banks way of adding a scoring model to things.

[SXGuy]

Re: Bit naughty opened a LTSB account but no cheque book!

No never got one in the end, closed the account, only opened it because they made it appear as though id get one, then gave me that toss after, so i thought sod em!

[Bosieb]

Re: Bit naughty opened a LTSB account but no cheque book!

No never got one in the end, closed the account, only opened it because they made it appear as though id get one, then gave me that toss after, so i thought sod em!

They're definitely different! I have had a few bank accounts and it is the first time no cheque book allowed
Thanks for letting me know the outcome.....