Lloyds TSB Phone Bank express - Warning

ali702

I always pay my Lloyds TSB Duo credit card in full every month using phone bank express. I did this on 28.10.08 (or so I thought) received current account statement the other day and noticed the payment hadnt come out of my current account, so phoned Lloyds and they had no record of payment , but said they would investigate so I paid the credit card balance and they said they would pass message on to their credit card department as by now the payment was 7 days late. At 4.30pm that afternoon the credit card department phoned me to say my payment was late and when was I going to pay it. I explained to him I had paid it 4 hours previousely but they said they hadnt been given the message but he said ok that was fine now.
I thought nothing more about it until later that night having spent an hour in tescos I tried to pay using my Lloyds TSB AMEX, but to my embarrassment it was refused and not having much cash on me had to put quite a lot of my shopping back, I have never been so humiliated. Am still waiting for result of their investigation, but will be closing my account with LLoyds, as this is the 2nd time this has happened. Since the first time it has happened I always write on the credit card statement time and date of payment. If i hadnt have done this I would have doubted myself.
I wonder how many others this has happened to.

Kavanne

Hey Ali, not much to do with phone bank express but I never take only one form of payment out with me. I always take AT LEAST a debit and credit card for this exact situation. I also have more than one credit card so if one fails, I still have a back up. Might be worth thinking about to avoid embarassment. But you might have to get LTSB to remove the late payment from your credit report before applying for a 2nd CC!

ali702

Thanks Kavanne
I generally do have another credit card and 2 debit cards on me, but it was a last minute decission to go shopping after work and I had my other bag with me, typical.! The last time this happened with Lloyds bank they did refund the charges and gave me 10gbp credit too. I was just really fed up by the lack of communication.