Which features have gone?
I don't think there's a real risk of any court requiring HBOS to be split off, is there? That would leave Lloyds with a similar number of branches to Yorkshire Bank!
Another High Street Rebrand
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DVB Cornwall
- Posts: 519
- Joined: Fri 24 Jun, 2005 21.42
Features that have gone ....
Ability to fully manage accounts, including closure, interest payment changes, transferal of payments between accounts, proper statement creation and publication tools. Integration of Credit Cards seamlessly. Document archives.
Ability to fully manage accounts, including closure, interest payment changes, transferal of payments between accounts, proper statement creation and publication tools. Integration of Credit Cards seamlessly. Document archives.
And just to prove how small YB is, Yorkshire Bank isn't even that company's main trading name. Yorkshire Bank is part of Clydesdale Bank, I think they use the Clydesdale name in Scotland and Yorkshire in Northern England, with no presence at all down south (my soldier brother had to move banks because of that).WillPS wrote:Which features have gone?
I don't think there's a real risk of any court requiring HBOS to be split off, is there? That would leave Lloyds with a similar number of branches to Yorkshire Bank!
Can you not transfer using 'make a payment'?DVB Cornwall wrote:Features that have gone ....
Ability to fully manage accounts, including closure, interest payment changes, transferal of payments between accounts, proper statement creation and publication tools. Integration of Credit Cards seamlessly. Document archives.
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DVB Cornwall
- Posts: 519
- Joined: Fri 24 Jun, 2005 21.42
..Should have said transfer of Payment Mandates between accounts. Once set up, It could be used to make payments from any account. Now each payment mandate is linked to specific accounts.
Richard Kirk peacocks old chief executive wanted to do that when they made him theirs last year. He wanted to re-brand the other stores and refit plus open more and sort out the windows which have just stock stacked in front of most, and they said eerm no thanks and got rid of him. I did think why on earth did you take him on in the first place.
Halifax and Bank of Scotland still use the same backend to their online banking.
Sometime between the HBOS merger and around 2005, I was moved from Bank of Scotland's online banking (didn't it have a funny name that was somehow based on their earlier Prestel efforts?) to a sort of merged HBOS thing. Sometime in 2005 I got fed up with the terrible ads with Howard, and closed all my accounts - but then later opened an ISA or credit card or something, and found that my BoS online account was still alive, and I could attach my new accounts to it. Even today I can still log in on the BoS website and access my Halifax accounts (and vice versa). It's not bad, as far as these things go.
Lloyds TSB's online banking, on the other hand, is absolutely terrible. When I saw that, if the merger had gone ahead, the Co-op would probably use the Lloyds system, I was filled with woe. Sort of glad that didn't go ahead.
Sometime between the HBOS merger and around 2005, I was moved from Bank of Scotland's online banking (didn't it have a funny name that was somehow based on their earlier Prestel efforts?) to a sort of merged HBOS thing. Sometime in 2005 I got fed up with the terrible ads with Howard, and closed all my accounts - but then later opened an ISA or credit card or something, and found that my BoS online account was still alive, and I could attach my new accounts to it. Even today I can still log in on the BoS website and access my Halifax accounts (and vice versa). It's not bad, as far as these things go.
Lloyds TSB's online banking, on the other hand, is absolutely terrible. When I saw that, if the merger had gone ahead, the Co-op would probably use the Lloyds system, I was filled with woe. Sort of glad that didn't go ahead.
Their ranging problems need some sorting out. Today, the aircon failed at work and I went out in search of some fans to stop us from melting until they got it fixed. Popped over the poundstretcher opposite and found that in the middle of the first decent summer we've had in the UK since 2007, they have absolutely no fans in stock and don't seem clear about when they will have any more in...but they do have an excellent range of heaters, which are all prominently displayed in prime floor space right in front of the doors!barcode wrote:Will poundstretchers ever fully rebrand all shops in there ownership? I know of plenty shops which are so run down you have to wonder why anyone goes inside them. Compare them to Home Bargain, B&M, poundland, poundworld, Home Discount UK
Instead I walked a bit further on down to Wilkos where I may have paid a few quid more but got what I was looking for.
No doubt if the heating breaks down in the middle of December poundstretcher will start doing an excellent line in portable air coolers...
http://www.bbc.co.uk/news/uk-scotland-s ... s-23535375Pete wrote:But their brand up north is BOS which is fitted out identically to Lloyds but in blue rather than green. Dunno if they'd bother opening branches of Lloyds.barcode wrote:In around a months time the Lloyds brand will disappear from Scotland, BUT could lloyds open up new branches in the coming years to grab new customers? or are there not allowed?
The Halifax brand is set to return to Scotland's high streets after owner Lloyds Banking Group announced plans to open branches in three cities.
So its going to happen not with Lloyds name but the Halifax