Nothing but a scam!

exalco?

Hi all, this situation is ongoing so I may yet be sorted out but for now, I am fuming. We recently cancelled a holiday and the money was paid back into my Lloyds Credit card account from whence it came. I then attempted to transfer the money to the current account but there was no direct option to do so. However the site specifically stated that if there was a money transfer option eg if you wanted to move the balance to a % card account, I could use that way and if a fee was generated, it would be refunded. As I say, this could still happen but, when I checked the current account later, there was still no sign of the money which had now gone from the Credit card to some mysterious named receiver, and it had been rounded off to a cool £6000! Thinking I'd been scammed, i called the "help" line but by the end of that call, (which was cut off by the staff member!) she had more or less said I shouldn't have done that and the fee would not be refunded ; the reason I believe was  that rounding off the amount put the credit card account a colossal 27p. If I am not refunded, that will be the end of Lloyds for me full stop.

MorningcoffeeIV

exalco? said:

However the site specifically stated that if there was a money transfer option eg if you wanted to move the balance to a % card account, I could use that way 

What is a % card account?  And what or who is this 'mysterious named receiver'?

And why did you not simply phone and ask them to send you the credit?

It all sounds very over-engineered, although lacking in actual scam-ness.

cymruchris

exalco? said:

Hi all, this situation is ongoing so I may yet be sorted out but for now, I am fuming. We recently cancelled a holiday and the money was paid back into my Lloyds Credit card account from whence it came. I then attempted to transfer the money to the current account but there was no direct option to do so. However the site specifically stated that if there was a money transfer option eg if you wanted to move the balance to a % card account, I could use that way and if a fee was generated, it would be refunded. As I say, this could still happen but, when I checked the current account later, there was still no sign of the money which had now gone from the Credit card to some mysterious named receiver, and it had been rounded off to a cool £6000! Thinking I'd been scammed, i called the "help" line but by the end of that call, (which was cut off by the staff member!) she had more or less said I shouldn't have done that and the fee would not be refunded ; the reason I believe was  that rounding off the amount put the credit card account a colossal 27p. If I am not refunded, that will be the end of Lloyds for me full stop.

When you've had a refund that takes you into a positive balance - you either spend it as you normally would by using the card if it's a small amount - or if, as in your case is a larger value, you give them a call to arrange to move the positive balance back to  your current account. A 'money transfer' isn't for getting your refund back into your account - it's a way of borrowing money on your credit card. As it is in effect a loan that you've requested (even though you're in a positive balance) it's likely gone off for some kind of approval. 

Sadly you've gone about things **** backwards - and are now in a position that you've been charged a fee. Rather than calling with all guns blazing - a little bit of 'I'm sorry I didn't understand how I was supposed to do it, and thought I was doing the right thing'' might help in trying to get the fee refunded - but there's no guarantee on that.

cymruchris

And it's not a scam....

born_again

Scam = User error. in this case.

MSE really need to have a filter in place that stops "Scam" in thread title.

Olinda99

who did you send it to ie what card or bank details did you put in