Possible bank error

thelawnet

I was just downloading all my bank statements, and I noticed the following:

05 Feb 08 ROSEHILL WINES CD 7311 DEB £499.00

Yes that's 2008.

I called Lloyds and they said that they can't give me any information about any debit card payees, and she started trying to read things off Google.

Any ideas how to proceed?

jonesMUFCforever

Sorry but you are way too long in trying to chargeback this transaction IMO.
If you didn't notice five hundred quid leaving your account then why worry now?

gb12345

thelawnet wrote: »

I was just downloading all my bank statements, and I noticed the following:

05 Feb 08 ROSEHILL WINES CD 7311 DEB £499.00

Yes that's 2008.

I called Lloyds and they said that they can't give me any information about any debit card payees, and she started trying to read things off Google.

Any ideas how to proceed?

Are you saying that it has only just appeared on your statement showing that date or that it was on a statement from 2008 and you've only just noticed it?

If it's the latter then as jonesMUFCforever says - you're probably out of luck getting the money back.

pmduk

Are you suggesting this transaction has only just appeared on your account? If it's only that you've not noticed it before, you're going to have a hard job proving one way or another whether the transaction is valid.

dalesrider

thelawnet wrote: »

I was just downloading all my bank statements, and I noticed the following:

05 Feb 08 ROSEHILL WINES CD 7311 DEB £499.00

Yes that's 2008.

I called Lloyds and they said that they can't give me any information about any debit card payees, and she started trying to read things off Google.

Any ideas how to proceed?

Google is our friend...
Funny how people think we can give them full contact details of these companies and also EXACTLY what they purchased.... :rotfl:
Money is taken via electronic systems. We see exactly the same as you do, other than we get a CatSic code which may give a clue to the type of retailer.

OP.
You need to clear up just when this debited your account?
If it was in the last few days. Then the bank should have refunded the amount back to your account straight away while it is looked into.
Do you know the company?

Cant go any further with out clearing up the above. As there are some options.

innovate

"CD" sounds a bit like "Continuous Debit". Did you join some wine club at some stage, paid with your card, and unwittingly authorised them to send you wines and charge you until the end of your days?

meer53

innovate wrote: »

"CD" sounds a bit like "Continuous Debit". Did you join some wine club at some stage, paid with your card, and unwittingly authorised them to send you wines and charge you until the end of your days?

CD on a statement usually means card payment.

If you Google Rosehill Wines, they are a company in Canada who sell, in addition to wines, chillers and refrigeration equipment. Might not be that company though.

It could possibly have been retailer error if the OP hasn't had any dealings with them before. If it were me, i'd call them to see if they have records from 2008, (their number is on their website) if not, not much chance of a refund from anyone really.

thelawnet

pmduk wrote: »

Are you suggesting this transaction has only just appeared on your account? If it's only that you've not noticed it before, you're going to have a hard job proving one way or another whether the transaction is valid.

Unfortunately it's the case that it's been there and I haven't noticed it.

I would like to find out what it is though.

gb12345

thelawnet wrote: »

Unfortunately it's the case that it's been there and I haven't noticed it.

I would like to find out what it is though.

Are you a wine connisseur?

A quick Google shows a firm in the US calles Rosehill Wine Cellars, who sell wine fridges, or there is a a Rose Hill Wines in Reading.

Wywth

thelawnet wrote: »

I was just downloading all my bank statements, and I noticed the following:

05 Feb 08 ROSEHILL WINES CD 7311 DEB £499.00

Yes that's 2008.

I called Lloyds and they said that they can't give me any information about any debit card payees, and she started trying to read things off Google.

Any ideas how to proceed?

thelawnet wrote: »

Unfortunately it's the case that it's been there and I haven't noticed it.

I would like to find out what it is though.

What do you mean, "what it is"? :huh:

It was a debit card transaction, using your card ending 7311 and in favour of Rosehill Wines, for the value of £499.00

dalesrider

thelawnet wrote: »

Unfortunately it's the case that it's been there and I haven't noticed it.

I would like to find out what it is though.

So its a transaction on a statement from 2008.

Best you could hope is bank will attempt to request a voucher.
But given that anything over 120 days does not have to be replied too. You are hoping a lot.

Even FOS/FSA & PSD consider anything over 13 months to be too long for action to be taken on.