Member Info for Birdsong

So what will become of any holders of Halifax share dealing accounts? I assume Lloyds will take them over, and likely add more in fees.

Seems a shame to lose the Halifax branding. I well remember the black chap who used to sing and became famous doing the Halifax TV ad. That of course was back in the day when TV ad's actors were chosen for their merits not just fulfilling a tick sheet requirement to cover the diversity regs to aid HMGs agenda.

I guess Lloyds know best, but with no few high street banks now, surely strong brand names are one of the ONLY selling points banks have to gain an edge on newcomer banks, as many older people trust old established names and logos.

So whilst it may save money, I wonder how much it will cost as some will move to other banks and with a large brand name gone, also any future new account to be opened by the public will then end up not so likely to be enrichening Lloyds if they randomly choose a rival large branch such as NWG or BARC instead. Better imo to have two decent irons in the fire, increasing your chances of gaining more business.

A one trick pony soon I guess, but they shoot horses don't they? Not a Dylan song for once.

Patience, issue now is all those expecting and hoping for an institution to fight the case in court to lessen the damage, may well find that to do so, instead of just meekly doffing their cap to HMG, and thanking the Gov for a cheaper, yet immoral blanket redress system, may now see each bank having to take on each case individually, very costly with legal fees slightly above the 'minimum wage', AND know that all those turned away will then take it to appeal, and cost the companies even more.

A lose lose situation as far as I can see, as can't see this ending up being a case of finding banks 'not guilty' as Gov want this, and likely many law firms are owned and run by family members in high places, and I don't mean the top floor council flat tenant.

Also I wonder how many on here are putting in a claim or two?

So looks like an even longer, even more expensive saga than ever now. Still HMG needs all the cash it can muster to keep the dying UK businesses ticking over for a little longer before the cruel Winter of discontent, with strikes, riots and energy crisis, (and by the latter I don't mean the too lazy to work spongers), adds even more woe to banks as defaults soar, and businesses fail, adding to costly large buildings being left empty, expensive to insure for the banks which hold the keys to such commercial property such as Lloyds. Doubt it is an issue here. Oddly the unemployed will likely all be sporting new trainers and electrical items this Crimbo protesting and rioting they have no work, NOT that most did when there were jobs a plenty.

But they know the 'squeakiest wheel gets the most oil', ( IF the middle East isn't ablaze by then to supply such).

Still, not one to look on the gloomy side.

Harley, let's hope the compo isn't index linked or we will be funding the masses far more the longer this runs. Still HMG will be pleased as the high streets tills will be pinging that bit longer as nails, eyelashes and phones help those in poverty gain a few more essentials.

Lloyds rolled over as expected to accept the deal, but as I said at the time, likely the carrot or stick was shown by HMG to make accepting the wiser option for the CEO, OR perhaps they knew to deal with each case individually who IF refused would then appeal, costing even more for the banks, was the best for us all.

Too late now, expect a long costly fuss which the share holders will fund, not the banks CEO's.

Who ever would have thought such..... moi

....semi, or in full the honest opinions and feelings of people only 'seems' to be effective in creating it's desired aim.

As we see here posts get removed, and TV, radio, and newspapers are controlled on what is said or seen, and warnings are now attached to programmes made pre woke days to 'cover' the media outlets older traditional views.

So the nation is seen to be seemingly at ease with itself to the naive.

The ballot box of course, as YET still not controlled directly, shows a very different viewpoint and the honest true feelings of the majority.

Sadly though, that will not be enough to truly 'change' the minds of the main parties, for they arrogantly feel the masses are like children, just misguided, mis informed, not as well educated as themselves, so don't know what they are doing when voting the 'wrong' way.

And, once the years of subtle brainwashing fails to 'educate' and change opinions, or as now, make the situation even more divided, the main parties will just use likely already set up stooges in any party they 'fear' to then 'discover' videos, recordings and past misdoings aired and discovered will peak just prior to the next G.E. All in an unsubtle but effective attempt to place fear into the rightly concerned but uncertain minds of the masses of voters not wanting to vote against traditional parties but witnessing daily the ruination of the country they once knew and loyally loved.

Most normal people are just hoping 'someone new' can change it all but fearing it could make it worse for their children's futures, yet they are wise enough to know doing nothing, or voting for the same old 'but now apparently (at G.E time) a suddenly a re- enlightened party' will definitely see their risks of a happy life for their loved ones in their own country slide future away .

Whilst we Lloyds share holders care for our wealth destruction via bank taxes, by growing debt and then default, along with massive inflation to come, Winter of discontent of higher food, heating and council tax for those working people, as the spongers will be fully funded on all three, and it will be not the workers 'rioting' but the usual, and luckily for Labour they can blame President Trump, and turn all against a distant figure to cast some of the blame upon.

It is that 'fear' of major change that prevents any meaningful change ever happening along with subtle mind games and project fear games, a screening of the Green mile etc and we will be certain to get 'one of the two' back in no 10 cometh the day I would wager.

Perhaps the more enlightened younger generation will create a wonderful land for their children, just seen no evidence of such that light under the bushel must be a low wattage bulb.

Re "surely not as that would put the banks in an even worse situation"

The banks have two advantages over companies who may struggle to fund any payments of DCA. One being capital buffers, and the second and most important, you, the shareholders will be funding the grasping hands, who will in turn be funding the high street and or UK economy.

HMG, the most unpopular, deservedly so for ages, will gain a little, but much needed support of working class voters by funding the grasping hands, at the cost of upsetting a far lesser number of bank shareholders, who, they know, in the greater part would likely not have ever voted for them in the first place.

So if a couple of Arthur Daly tin pot car dealers go to the wall, so be it, in their eyes, minimal loss, to HMG. HMG perhaps would worry IF large businesses paying taxes in were effected, but HMG know that the 'squeal' is always overdone by businesses in a vain attempt to avoid paying out by implying to do so will break them, and lose money for HMG.

Banks have us shareholders to tap, and why do you think the div has been cancelled? Why do you think capital was raised by CBG, and why do you think the share price dropped so much? All to fund what they knew was coming, and shareholders will, over time, refund the sums by no div, then lesser than would be divs, etc.

Doubt the bank CEO's will take any hit. That is the beauty of having shareholders, the board throw just enough crumbs to shareholders in okay times, and recoup any misdemeanour costs from the same, when times dictate such is needed.

As a few of you now understand, but of course will never wish to admit, that HMG gets what it benefits from the most, whether immoral, fully legal, or fair. Why? Because they not you make the rules, and we just have to follow, as the banks CEO's know it is in 'their' interests to keep HMG sweet, and even more 'sweet' than their shareholders.

Remember what Bob nasally growled, " I've known it all the time, you're learning it these days"

Sadly and likely more appropriately, the song Vincent by Don McLean, also springs to mind, "They would not listen, they're not listening still, perhaps they never will."

Still a Butterkist kiss will make it all better, won't it?

Perhaps President Trump could scatter thousands of smaller mines all along the edges of the straits to destroy the little fast craft carrying munitions to harm the larger US and other vessels.

That way the lesser explosions from such would not be an issue to tankers or US Navy ships, only small craft carrying IRG attackers, it would be cheaper to do and at least limit sea born attacks somewhat.

Let's hope another attack on the leaders in their rat holes helps to speed up the misery for innocents

The 'Official' explanation "Lloyds Banking Group’s insurance, pensions and investments CEO sold 512,681 shares at 97.108 pence each on 30 April 2026.

The bank says he remains on track with shareholding policy, framing the sale as routine governance rather than a strategic shift."

Phew, thought for a mo that perhaps they had some inside info that we had yet to discover that wasn't favourable. Like more set aside for DCA, or something worse. Sleep easy.

Pubs and clubs have like many things in the UK changed for the worse in recent years. No so long ago, a small group of girls would feel safe to have gone out clubbing on a Saturday night, and getting a taxi home.

Now, with drinks risk of being spiked, with constant pressure from pestering delightful groups of young men, and now all too often the taxi drivers are no better, the risk and harassment has killed off the simple joy of going out to such places. Where local lads would have tried their luck to chat you up, and a negative refusal at worst would have been met with a mumbled insult, now pressure is constant, and girls are followed home all too often.

The UK has changed massively for those not living in isolated areas, and the knock on effect of the young not feeling safe anymore, especially after dark, of course will have a huge effect on pubs and clubs attendance and incomes.

So it is not all about the young not wishing to drink, now they would sooner go around to a friends house whereby they can be amongst those people they feel safe in their company. And for the same reason people don't like public transport at night, too many vile, using drugs and mental illness as an excuse for disgusting behaviour , where once the fact someone took drugs or was heavily drunk, would have added to a sentence, now it's used to mitigate their actions.

As UK businesses fail much of the debt and loss will come back to the banks and thus to the shareholders costs. Two pubs a week lost in the UK, and even if people are drinking less, it was more of a social thing to meet up and do, but recently it has become an anti social frightening place for many decent people to endure.

Those in a safe country pub with decent clients of course will never 'get it' for their experiences and lives and cliental are far far removed from those of the masses and anger, fear, and frustration can't be silenced at the ballot box, just yet.

Even management bailing out of here now I see.

Wait until Winter, we will be wishing for these prices and we burn the broom handle to keep warm

Here now... think this is tough, wait until the Winter, Lloyds will follow the UK downwards.

With added car DCA to fund soon, inflation through the roof, and consumers 'must haves' like nails, take aways, latest electrical equip, the 'mortgage' will likely be way down on the list of priorities in modern non thinking, as they know that banks will bend over backwards to keep them housed, with shareholders funding their debt when other priorities are more tempting.

Kat, rampant inflation will help make you 'think' you have recouped your loss if it eventually rises, but by then, see just how much LESS of anything and everything your break even 'assumed' worth, will actually buy you by then.

Be it food, fuel, or other essentials, so it is ONLY when your invested cash buys you MORE items, or products, than what it did when you initially invested it, along of course with any added div's, that you have actually 'gained' anything.

That could be a lot longer coming now.

Still it makes many feel they have won, once there share price is over their assumed break price, which has been so, as currently with a div higher than inflation that is the case, but should double digit inflation hit it could all be different.

Perhaps brokers look a little more carefully than those already up to their neck in it cos it pays a large divi, but at far more of a loss on invested capital. Seems by the RNS a large loss of faith already biting at our heels, and with the BoE concerns for UK insurance co's, perhaps this is 'why' the Broker has downgraded LGEN?

https://www.bankofengland.co.uk/news/2026/april/pra-publishes-plans-to-support-resilience-in-the-life-insurance-industry

Not what us investors wish to think, but ignoring things don't make them better or disappear.

The ONLY reason Lloyds would attain any of those higher numbers is if inflation is back over double digits for years.

So I guess it is possible, but it won't be worth more when we come to spend it.

The UK is almost certain to be on its knees financially by the end of the coming Winter of discontent.

Thus it ever was with Labour ruining the show.

Still we have a new 'blame' now instead of it being blamed on us leaving the EU, or Covid, we now have President Trump to try to pass the blame to for a decade or so.

... dividends as we get I guess is not great at keeping the share price as steady as if the div was divided up equally and paid four times a year as BP. do. As now, many wait for the main div and sell up, knowing that there is a fairly long time before gaining the smaller one, so the s.p drops away on weak or poor news as there is no rush to buy back in, in a hurry.

But it is good for new buyers to be able to buy in as the s.p drifts downwards over the weeks and months before the next div, or year before the main payout.

Unsure if the drift will erode the entire value of the paid div this time around, all depends I guess on the longer term effects of the war and bond valuations, interest rates etc.

But feel there is plenty of swings for those who are brave enough to be in and out, but I just hold and may add if any larger over done drops occur.

Re "But read the 'But' at the end of the article..."

The irony is the rising unemployment numbers, yet daily unless the foulest weather prevents, our country is being filled with more bodies than there will ever be new jobs created for.

And as we have seen in the past, and will no doubt again, high unemployment is used as an excuse by some to riot, and steal from stores, replenishing foot ware and electrical items as a protest to the UK Gov for providing a free home, generous benefits for themselves and numerous offspring, showing their appreciation of kindness, seen just as weakness to exploit to the max.

Lucky Lloyds is not so UK based with Labour doing what it always does to the UK economy, but lucky for it, having a 'war' to blame, along with the Tories past, and the most unlikely whipping boy ever the current POTUS to blame their inept handling of an already ruined country.

I have no respect for any party as I feel the damage done by all parties has ruined this country, not for a while as war does, but forever, and time will only make the problems ever worse.

We need less people, more hi tech, and EVENTUALLY the growing elderly population would die off naturally, whereas having more young merely adds to the future elderly numbers, requiring more young, BUT in a future where low pay work, due to AI will be in more demand, as AI makes many workers redundant, having ever more low paid workers means they almost all claim benefits, and subsidised rent and c.tax, so pay in nothing or little BUT take out huge amounts, so a negative for the UK, and thus Lloyds.

SEE it how it is and vote Reform who can't change our fate, but the protest vote may put minor pressure on the main Parties to do more than pay more French Police to spend a lazy Summer on the beach as the wave off their problem to become ours for the rest of eternity.

...dumped near the bell, doesn't bode well.

I guess Action potential due to war is one reason we can guess at, could there be others?

Re: "Maybe Milliband should be reminded of BP's losses of Rosneft and their other 'forced to abandon' Russian assets, come on Reeves compensate BP "

All the while the woke BBC and such can show an image of some withered old crow stirring a pot of gruel over a few smouldering sticks, or some child with anything worse than a broken finger nail in Ukraine, the Gov will have it brainwashed masses to scream for any profit that has accrued from BP Rosneft to be lavished on every hard luck story there, after taking expenses or doing a favour for a favour in the process.

Charity USED to be a choice, so all the Iran lovers could chose to donate their hard earned or easy earned wherever 'they' wished to ease their guilt. Thus leaving those of us who know that IF the boot was on the other foot, NOTHING would be coming to our aid, so many of us want any cash for OUR loved ones, not for some unknown person who has a hard luck tale to tell, for there will NEVER be enough cash to fund the worlds unfortunate so why bother helping a few.

I never used to feel like that, but since the worlds chancers decided not to await the UNICEF food aid, but buy an Avon and come directly to the source, and treat our people so horribly, then I figure I am already giving more that makes me happy in my taxes to fund those that for the largest part I never wanted here in the first place.

So rather keep it or give to animal charity, for IF they bite the hand that feeds it is due to ignorance NOT greed, or lust or just being vile.

BP, has shown it's weakness and has little hope of ever seeing £6 despite a war, and with good results, and world oil probs, so God help us when its all over.

Hence my title of Labour is watching , for they will take using 'kindness to others' as the excuse. Easiest thing in the world to spend someone else's money.

As Ms Thatcher said, 'Problem being with socialists, they soon run out of spending other people's money'

Strange how some love the underdog, the losers in society and waste billions on dead wood whilst our bright are poached away, and our society collapses around us all.

Perhaps such ought to move to Iran IF they are so wonderful.

The U/T is the uncrossing trade, which means nothing in terms of buys and sells, as just orders on the books matching buyers to sellers or visa versa so not an issue. However there was a 3m trade marked as a sell just after the bell.

IF a shorter was getting out they would have to buy the shares back, not sell them. But the buys and sells oddly mean little on these graphs, as clearly, for every buyer, there has to be someone selling the same amount and visa versa. Honestly don't know why these buys and sells are shown if meaning squat.

88, I went to Tenerife back in February this year.

First time going there but was shocked by the huge amounts of cars on the roads, the even larger numbers of ugly high rise hotels etc all along the beaches.

We went as the weather here was dire, and it was lovely to get some sun, but had to drive way up in the mountains to find any beauty, and every view point, most car parking was so full you ended up being blocked in. The mountain regions very pretty but being used to Corfu, Kefalonia, etc it was quite a shock to me how busy it all was in Feb, but I guess being warm and as close as we can find in winter to find sun, I should have expected such.

Plus is the roads are very good, lots of roundabouts, and the place is mostly well looked after, but beware of certain types, as a guy just walking had his wallet stolen and not rare as the sign in some areas warn of pickpockets.

Enjoy any travel and destinations, but will need more money in future to enjoy such, and being invested here, with the UK likely to be hit hard, and with an incompetent party at the helm, what could possibly go awry? Enjoy the nice weather and drive out of the seaside resorts is my advice.

This is about Lloyds, but equally as unwelcome as few like their investment dissed as they don't their opinions on politics or religion etc.

Poster who get posts removed do so by sending an email to LSE, not just be clicking the drop down menu.

Anyway, here tis https://www.asktraders.com/analysis/lloyds-shares-technical-indicators-turning-bearish/

Sell in May and go away etc etc.

I am holding as per usual, but will live to regret I am sure.

Few seem to see a common denominator with the housing shortages in the UK in recent years and the levels of unorganic population growth coinciding with such.

Whilst the Tories are blamed for 'selling off' council houses, each one of them has a family living in it, they are not empty, so IF they weren't living there, they would take up a home somewhere else, so that has not added to homelessness.

The UK average family was around 2.4 ish children, and with low numbers housing demand was manageable. But the unwise Governments seeing a rising elderly population, then tried 'paying' more money to have more children via child tax credits, working tax credits and child allowance increases, along with more 'freebees' like free meals, extra help with uniforms, eating costs, breakfasts at school, heating allowances and a myriad of extras IF you had children.

Sadly though, it backfired, and many of these families who were being 'paid a decent sum to breed' encouraged many people who did the lower paid jobs to have children INSTEAD of working for a living and paying taxes to fund the growing elderly problem.

Children bought up in the households of neither parent working but living ok, took on the same stance and now we have many who have no intention of working, knowing they can gain a home by having a few children, pretend to be single parent and gain more, claim a child or two has learning issues and gain even more, along with free or heavily subsidised rent and c.tax, thus having more disposable income than many working.

So Govs answer is to allow or do nothing about others entering the UK in never ending numbers, expecting them to forever more fill the low pay lack of willing young British workers gap. Sadly they as soon as allowed to stay, having the same 'rights' as the indigenous , they too do the same, and with usually larger numbers of children than most Brits, so we have a growing number to find houses for, but fewer paying in taxes, and more claiming free rent, c.tax, free school meals, uniforms, transportation, along with all NHS costs, education costs and many many end in up serious crime costing huge amounts.

Clearly not all, but the work visa system, and controlled immigration worked, this system clearly doesn't, but all MP's too afraid to point any finger at anything 'but'.

Lgen will suffer due to annuity debt if the UK plunges into deep recession which seems likely at some point now.