Unauthorised Transaction!

Debt-Free_2

Hello
Regarding the HMRC 25 million lost personal details, it may interested you to know of the problems of have with Lloyds TSB over a unauthorised transaction.

About six weeks ago I inform the bank, over a strange transaction of £150.00 paid out on a cheque number, 291, that had been used by me over ten years ago, and was for a different amount. My cheque numbers now run from 651 -675. This cheque had nothing to do with the present problem.

I contacted Lloyds TSB about this, and they were suppose to have sent a photocopy of this cheque, this was late September 2007, and I am still
waiting for it to arrived. I have since made numerous phone calls, sent a letter of complaint to Customer Services, but to no avail. It now seems that I will have have the complaint look at, by the Financial Ombudsman Service.
Also the bank wants another six weeks to look at the problem, WHY?

This is procrastination of the worse kind, but it just shows you, that if you think that there could be potential fraud on you account, and that it will be sorted out promptly, think again, if my experience is anything to go by.

BTW I would very interested if other people have had similar problems in the past.

Best
William

iceicebaby

Hiya

Sorry to be thick but what does C/N mean?

Debt-Free_2

Hello iceicebaby,
No, you not thick, its me. I have now remove that silly abbreviation.

Regards
William

Mikeyorks

Debt-Free wrote: »

This cheque had nothing to do with the present problem.

Sorry William ..... you've got me there. So what is the problem to do with ... when you say :-

over a strange transaction of £150.00 paid out on a cheque that had been used by me over ten years ago

Debt-Free_2

Mikeyork,
I have edited that misleading sentence, it should make more sense now.

Thanks
William

iceicebaby

I think what the OP is getting at is that if there is any fall out from the recent issues with the cd's going missing from HMRC, that based on the way that his previous query about a maybe fraudulent transaction has been handled dont hope that any dodgy transactions will be dealt with properly.

Is that what u meant OP?

Debt-Free_2

That is exactly what I mean iceicebaby. They will have plenty of excuses such as being under staff, overloaded with complaints etc, etc. You will just have to be patient, they will tell you :mad: As for the banking code, that's a laugh.

In other words there is £150.00 missing from my account, and Lloyds TSB don't seem all that interested in sending me that vital information, I suppose they hope I will just give up and forget about it, well there are in for a surprise:D

And this is not the first time, they have made errors on my account.

Regards
William

jonesMUFCforever

As I see it 3 things could have happened here.
1 Someone could have got hold of an old cheque - washed it and put their own details on it (unlikely?)
2 The cheque has been processed incorrectly - have you written any cheques for this amount in the timescales you indicated?
3 The cheque has been debited in error to your account. There have been cases where the same account number has been allocated to more than one customer (with different sort codes!) This could have happened here.

Notwithstanding all this you should have had a response by now.
I would telephone Customer concerns advising them of what's happened so far and I would be inclined to ask them to refund the amount now with a proviso that it can be debited back to your account if it is found to be your transaction.

Shona_3

Ask for a copy of their complaints policy and their fraud policy. These should have the required response times in them and if they haven't you can take it further.

jonesMUFCforever

Shona wrote: »

Ask for a copy of their complaints policy and their fraud policy. These should have the required response times in them and if they haven't you can take it further.

Complaints should be dealt within an 8 week period after it has been logged.
It probably would not have been logged as a complaint in the first instance as the bank were trying to get a copy of the cheque to the customer.
Originally it would have been an enquiry now it is a complaint.