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Posted: Sun Oct 19, 2008 7:57 am
by flumpy dog
WILL LLOYDS CANCEL MY NEW CURRENT ACCOUNT IF I TAKE OUT IVA
Posted: Sun Oct 19, 2008 9:06 am
by LoneRanger
Are lloyds one of your creditors?
Posted: Sun Oct 19, 2008 10:03 am
by flumpy dog
NO BUT IM USING THEM AS MY NEW BANK AND DONT WANT THEM GETTING FUNNY IF I DO IVA THANX 4 EARLIER REPLY
Posted: Sun Oct 19, 2008 10:03 am
by Lisa2009
As long as they are in no way linked to your creditors then your account should be safe.
Posted: Sun Oct 19, 2008 10:04 am
by Skippy
If Lloyds aren't one of your creditors you should be fine. I had an account with them when I was in an IVA and they were happy for me to keep it when I went BR.
Posted: Sun Oct 19, 2008 10:18 am
by flumpy dog
WOW THANKYOU ALL YOU NICE PEOPLE THAT RESPOND SO QUICKLY X. I AM IN DEBT WITH INTELLIGENT FINANCE PART OF HALIFAX. WILL MY NEW LLOYDS ACCOUNT BE TERMINATED IF I DO IVA IM SO WORRIED !
Posted: Sun Oct 19, 2008 10:22 am
by Adam Davies
Hi
No,you can stop worrying
Regards
Posted: Sun Oct 19, 2008 10:25 am
by Adam Davies
Hi
Don't worry,your account is safe
Regards
Posted: Sun Oct 19, 2008 10:39 am
by flumpy dog
HI ANDY THANKYOU FOR REPLYING. I HOPE YOU WOULD BE OK TO ANSWER AGAIN FOR ME. I AM SERIOUSLY CONSIDERING AN IVA. I MADE ENQUIRIES LAST WEEK TO OPEN A NEW CURRENT ACCOUNT (NEW BANK BECAUSE OF DEBT WITH ABBEY) WHAT IS WORRYING ME IS WILL LLOYDS LET ME KEEP THE CURRENT ACCOUNT ONCE I DO A IVA SORRY IF IT SOUNDS AS THOUGH ITS THE SAME QUESTION
Posted: Sun Oct 19, 2008 10:43 am
by LoneRanger
They should let you keep your account. there is no reason why they shouldn't
Posted: Sun Oct 19, 2008 10:44 am
by kallis3
Your account will be fine.
Posted: Sun Oct 19, 2008 10:52 am
by flumpy dog
IM SORRY FOR SOUNDING LIKE AN IDIOT BUT IVE BEEN HEARING ALL THIS STUFF ABOUT HBOS AND LLOYDS LINKING UP. I AM TERRIFIED OF TRYING TO MAKE A FRESH START AND THEN HALIFAX(ANOTHER CREDITOR OF MINE !) PLUNDERING THE ACCOUNT
LLOYDS MAY NOT WANT ME FOR THIS REASON AS THEY/THEY WILL OWN HBOS
Posted: Sun Oct 19, 2008 10:54 am
by kallis3
Why not try another bank? Co-op are a good one, as are Nationwide.
Posted: Sun Oct 19, 2008 11:04 am
by flumpy dog
IT JUST GETS WORSE! I HAVENT OPENED A NEW BANK ACCOUNT FOR 10 YEARS MY PASSPORTS 2 YEARS EXPIRED, ITS 90 POUND OR SO FOR A NEW ONE- I DONT HAVE THAT. YOU NEED PASSPORT AS ID(I DONT DRIVE). LLOYDS SAID THEY WOULD ACCEPT BILL AND A REFERENCE LETTER IE FROM TEACHER, POLICE OFFICER AS ID THATS WHY IM STUCK. MAKES U FEEL DEPRESSED. THANX 4 REPLIES ALL DIDNT EXPECT EVEN ONE XX
Posted: Sun Oct 19, 2008 11:07 am
by kallis3
I don't think it matters if your passport has expired or not. It's just the photo id they need. Did you ask them if that would be ok? My daughter takes her (expired) passport out with her when she goes out as proof of ID.
A reference from a professional person, unless they are a close friend, would probably cost you.