MISS SAMEEN HUSSAIN

12 OAKROYD TERRACE
BRADFORD
WEST YORKSHIRE Lloyds Bank plc
BD8 7AE
Credit Card Operations
BX1 1LT

Tel: 0345 606 2172

11 October 2024

Hello MISS HUSSAIN

Your card number: ************7967

We're closing your credit card account soon

We've recently completed a review of your credit card account. Based on this review and because you haven't
used your card in over a year, we'll be closing your account after 60 days from the date of this letter. All cards on
the account will no longer work after it is closed - please destroy them securely.

We appreciate this may not be what you expected so we'd like to explain how we made this decision and let you
know what you can do next.

We need to make sure we're offering the right level of credit to you
We regularly review credit limits to check that we continue to offer the right level of credit for our customers. As
part of this we look at the information we hold about you, your account history and any details credit reference
agencies share with us. Based on this and because you haven't been using your card, we'll be closing your
account in two months' time.

We've reduced the amount you can spend on your card

We're limiting the total amount you can spend on your credit card to £75.00 to help you avoid falling into
financial difficulty. This is based on your current balance of £0.00 as of the date of this letter.

We'll also lower your credit limit to match the total amount you can now spend. Once we've done this, you'll see
this on your future statements and online if you use internet banking.

What you need to do

If you use your card between now and us closing your account, then please make your monthly minimum
payments until any balance is cleared. If you pay more than the minimum amount, you will repay the amount
owed sooner and pay less interest overall.

Once closed, your account can't be re-opened. If there's still a balance on your card once your account is closed
your contractual monthly payments will still be due. No more increases will be made to your interest rates on
any outstanding balances. Your rate will stop being linked to the Bank of England base rate if this applies to
your card.
If you have any regular transactions on your account, like satellite television or subscriptions, you'll need to
contact the providers to arrange an alternative payment method, as they might not be paid in future. Give us a
call if a regular transaction appears unexpectedly after you've closed your account and we'll refund it within 2
business days.

Although you will no longer be able to use your card, please be aware that the details of the account will
continue to be available through Online Card Services for up to 6 months, or longer if a balance remains on
your account. If you're registered online, your account details will remain for up to 6 months from when it was
last active.

Help and advice is available

As living costs rise, we understand it's putting extra pressure on lots of our customers and we want to reassure
you that we're still here to help. Having a credit card isn't always the best solution in the long term. You can find
some tools and tips about managing your money on our website at lloydsbank.co.uk/costofliving

Please get in touch if you want to talk to us about this decision

If you'd like to talk to us about our decision, or ask us any questions please call us on 0345 606 2172. Lines are
open Monday - Sunday, 8am to 8pm.

We know talking about money isn't always easy. If you'd like some independent advice there are also other
people you can talk to for free. We've included some more information and contact details with this letter.

Sincerely

Credit Card Operations

Frequently asked questions and answers

Will having my credit limit reduced affect my credit score?

It may. Lenders take a wide range of information into account when making decisions on borrowing, and this
includes details about how you've managed your account, and how much available credit you've used.

How do credit reference agencies use my information?

Credit reference agencies, known as CRAs, are independent organisations that securely collect information
about your financial behaviour. All banks and financial services companies in the UK share information with
CRAs as part of an automated process. CRAs give you a credit score based on all the information they have, and
lenders take this into account when they consider lending to you. Things that can affect your credit score are:

Missing payments or paying late

The amount of credit you are using on your card
If we need to stop your card from being used
Any other borrowing you currently have

Can I request a credit limit increase in the future?

You can ask us to increase your credit limit at any time. We suggest you think about if increasing your credit
limit is right for your borrowing needs and if repayments will be manageable for you first.

Credit Reference Agencies

Here are some organisations you can use to find out what information is held and what this means for you:

Experian Customer Support Centre, 0344 481 8000, www.experian.co.uk

TransUnion Consumer Services, 0330 024 7574, www.transunion.co.uk
Equifax Customer Service Centre, 0800 014 2955, www.equifax.co.uk/ask

Free independent help and advice

Here are some organisations you can talk to for free independent advice about your finances:

Citizens Advice provide free, confidential, impartial information and advice for when you owe money or if
you have any benefits issues. www.citizensadvice.org.uk (England and Wales), www.cas.org.uk (Scotland).
Step Change can take an independent look at your finances and suggest a tailored action plan.
0800 138 1111, www.stepchange.org
National Debtline can send you a free advice pack. It includes help to complete a budget, samples of
letters for people you owe money to, and information on legal questions connected with your situation.
0808 808 4000, www.nationaldebtline.org
Business Debtline can offer specialist advice if you have a small business or are self-employed.
www.businessdebtline.org
If you need extra help
If you need this communication in another format, such as large print, Braille or audio
CD, please contact us.

If you have a hearing or speech impairment - you can call us using Relay UK. There's more information on
the Relay UK help pages: www.relayuk.bt.com SignVideo services are also available if you're Deaf and use
British Sign Language: lloydsbank.com/contact-us/sign-video
If you need support due to a disability please get in touch.

If you need to tell us something

If you want to make a complaint - you'll find helpful information at:
lloydsbank.com/contact-us/how-to-complain
To speak to us, call: 0800 072 3572 (+44 173 346 2267 from outside the UK). Lines are open all day, every day.

When you call us - calls and online sessions may be monitored and recorded. Not all Telephone Banking
services are available 24 hours a day, seven days a week.

Things you need to know

Fair lending - we adhere to The Standards of Lending Practice, which are monitored and enforced by the
LSB: lendingstandardsboard.org.uk
Rates correct as at October 2024, but may be subject to change.

We send communications like this for legal reasons, to help you make the most of your accounts, or to let you
know about changes to your accounts or services.

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.
2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority under registration number 119278.

This information is correct as of October 2024 and is relevant to Lloyds Bank plc products and services only.