Money goes in and out with no trace

dalesrider

Retailers will often authorise for a totally diffrent amount to what you purchase.
You mention Tesco. Did you use a self service terminal ?
They are well know for putting odd auths.

What you should have asked when you spoke to them in the 1st place is..
What authorisations are showing on my account. They would then have been able to run through these.
Sometimes the auth will stick even after it has debited. Giving a false avaiable balance.
Some retailers where you have your card details stored. I-tunes etc. Will place a dummy auth to see if the card is still live. THese never debit, but do screw up avaiable balances.
Often after a certain time the auth will no longer show on certain banks systems.

humanracer

Very confused by this post.

You said 80.86 was available in your account. What did this appear as your statement? You can check this via online banking or phone banking can check it for you. If it 80.86 was available then it will show on your statement.

If the available balance changed from 80.86 to 22.06 then £80 did not vanish, £58.80 did. That £58.80 could be for one or more pending transactions.

Only very specific departments within Lloyds can check who a pending transaction is going to. That is why they said Tesco but could not give more proof. If you view your statement after a few days then it will show.

tyllwyd

Do you have an agreed overdraft on your account? Are you sure you were looking at the money actually in your account or the money available? I quite often have a situation where the money in my Lloyds account is different to the money available because they add the amount of the agreed overdraft to the money available. So if you had an agreed overdraft of £50, and a balance of £6, it would say you had £56 available. If you then paid in a cheque of £20, until it cleared, it would say that you had a balance of £26 and an available balance of £56. Or if a debit of £40 had been received but had not yet cleared, you would have a balance of £6 but an available balance of £16. I wonder if something like that happened with you?