Moving money about

[SA Gold]

Re: Moving money about

Ok it's nowt bad. Basically before if you were at the max allowed it'd tell you so. Now it works as a request / refer if not automatically authorised within approved limit.

So they've changed slightly. My old method may now hit this refer page. If you don't call it should drop off.

Excellent, thanks for updating mate

[Never-In-Doubt]

Re: Moving money about

Ok it's nowt bad. Basically before if you were at the max allowed it'd tell you so. Now it works as a request / refer if not automatically authorised within approved limit.

So they've changed slightly. My old method may now hit this refer page. If you don't call it should drop off.

[SA Gold]

Re: Moving money about

WTF - that's new. Don't ring mate. It'll get purged after 14 days.

I'll ask my mate at hbos why they now refer. That's never occurred before...

thanks bud, look forward to hearing why the feck they are doing that!

[Never-In-Doubt]

Re: Moving money about

WTF - that's new. Don't ring mate. It'll get purged after 14 days.

I'll ask my mate at hbos why they now refer. That's never occurred before...

[SA Gold]

Re: Moving money about

Try it lol. I used to do it every month. It's not a real time search so it costs nothing matey.

looks like they want me to call them chiefton?!

Lloyds: Why do you want to extend your overdraft to £300?
SA Gold: Because i am playing with your system, fools!

Seriously, what should i say when i call them lol

[Never-In-Doubt]

Re: Moving money about

2nd Monday of the month I think hbos update their feed mate.

[Never-In-Doubt]

Re: Moving money about

Try it lol. I used to do it every month. It's not a real time search so it costs nothing matey.

[SA Gold]

Re: Moving money about

But if you try and edit your OD it's not a live app. It's based on internal score since last feed so just try and increase it a few days after the monthly feed update and you'll find eventually it'll say no (your internal limit maximum).

Try £300 and if yes try increasing in various multiples lol. Mine went to over £3k at one time. I started with £1300 and entered £2000 (applied immediately) I then put £2500 (again applied immediately) I then put £3k and after it applied it I thought sod this. Lol. I never did see my maximum.

I think you/Lloyds said they update on the 15th, so is it worth trying £300 now, or waiting until next month

[Never-In-Doubt]

Re: Moving money about

But if you try and edit your OD it's not a live app. It's based on internal score since last feed so just try and increase it a few days after the monthly feed update and you'll find eventually it'll say no (your internal limit maximum).

Try £300 and if yes try increasing in various multiples lol. Mine went to over £3k at one time. I started with £1300 and entered £2000 (applied immediately) I then put £2500 (again applied immediately) I then put £3k and after it applied it I thought sod this. Lol. I never did see my maximum.

[SA Gold]

Re: Moving money about

How old is Sainsburys loan (last paid/default date)? Cross business don't utilise ROSo - Barclays / Barclaycard being the exception to that rule so if you owe Sainsbury's that shouldn't impact too heavily on HBOS (likewise, Lloyds)....

Stopped paying February 2011 mate.

As a Lloyds customer do you see available overdraft like hbos used to give - presumably it's the same processes?

I do mate. The options i have are to increase or cancel the current one (£250)

I'm wondering if you go to bank of Scotland site and login using Lloyds details. Does that work? I could login to Halifax and BOS but not Lloyds.


Anyway im not encouraging you. Lloyds is fine. Stay with them for now pal

Can't log in to Bank of Scotland with Lloyds credentials.

[Never-In-Doubt]

Re: Moving money about

How old is Sainsburys loan (last paid/default date)? Cross business don't utilise ROSo - Barclays / Barclaycard being the exception to that rule so if you owe Sainsbury's that shouldn't impact too heavily on HBOS (likewise, Lloyds)....

As a Lloyds customer do you see available overdraft like hbos used to give - presumably it's the same processes? I'm wondering if you go to bank of Scotland site and login using Lloyds details. Does that work? I could login to Halifax and BOS but not Lloyds.

Anyway im not encouraging you. Lloyds is fine. Stay with them for now pal

[SA Gold]

Re: Moving money about

That's a shame mate. Have you tried opening hbos accounts as it's easier to get plastic out of them - or Bank of Scotland

morning mate.
I certainly could try that, but just to re-cap your memory (i could never remember a fraction of the framework and different members situations as you do!) - should it be relevant:

I have an outstanding loan with Sainsbury's (and not sure if it would start a cauldron up)
You said i didn't have CPD99 because Lloyds gave me a second current account with debit card
I was with Lloyds prior to the merge with HBOS.

Sorry if that has no bearing at all!

Edit: Did you mean try and apply for a credit card with RBS, or set an account up and see what is offered (if anything). I notice they offer an approval indicator

[Never-In-Doubt]

Re: Moving money about

That's a shame mate. Have you tried opening hbos accounts as it's easier to get plastic out of them - or Bank of Scotland

[SA Gold]

Re: Moving money about

I was passing a Lloyds branch on Saturday so called in. Fella there said nothing pre-approved and must be a result of CRA as cant see anything wrong with way accounts are being run.

I guess just wait a few more months and see if Lloyds offer me one, or i guess i could try and get a second balance transfer card with Creation.

This is assuming something hasn't been added to my credit file of course! Or the other option i have is to shut the **** up

[SA Gold]

Re: Moving money about

stop applying mate - chill. Wait a few months

will do chiefton, thanks