Beware Lloyds Bank and S75

I hired a barrister online under the Direct Access scheme to represent me in a civil dispute over double glazing. I had 14 day cancellation rights and, when I paid, I saw from the online terms that I was entitled to a pro rata refund. Three days before the trial, as it was obvious that the barrister still hadn't read the papers and, basically, was winging it each time we spoke, I cancelled. I'd paid by my Lloyds Bank MasterCard credit card, so, when, for no good reason, the barrister made it clear that he was hanging onto my money, I thought I'd be fine.

To my disappointment, Lloyds seemed to be looking for all sorts of reasons not to refund me. Eventually, when I complained that their letters didn't make any sense, they replied that I'd only be entitled to a pro rata refund, in any event.

Naturally, my response was, 'OK then, please listen very carefully: I haven't received a pro rata refund - I haven't received any refund at all - I paid £2000 to cover four days' preparation plus a day's representation at trial, whereas I didn't receive any of this.'

I got nowhere. They just didn't want to know, let alone explain their position logically.

My next step will be the FOS, but I just wanted to let you guys know that Lloyds doesn't honour its S75 obligations, not in my experience anyway. :mad: