Lloyds TSB and their £200 black hole !!!

lfc84

I called Lloyds TSB phone banking and told them to debit my account with £909.99 to pay my Lloyds TSB Mastercard.

So they debited my account with £909.99 and low and behold Lloyds TSB Mastercard only received £700.

I phoned each of them to ask them to investigate and both blame each other and both say they cant help any further !!

Phone bank say they sent the right amount.

The credit card people say the credited my account with the amount they were sent !

I have now written a letter of complaint to the phone bank and the Mastercard !

Someone, somewhere has "lost" my £200 !!!

Anyone got any advice ?

Many thanks.

shaymenRup

I suggest a complaint through the Financial Ombudsman - if matters arn't resolved quckly. They are free and independant.

Was the payment made by direct debit? If so you will have a guarantee.

If thats the way LLoyds TSB treat their customers, then I'd ditch them.

lfc84

it was a one off payment / one off instruction

thanks for the advice. once it is sorted i am definitely closing both accounts.

daveboy

Puzzled by the first response above. The OP states it was done over the phone.

A complaint to the Ombudsman might be an idea, although I'd try my local branch first to see what they could do. Trying it over the phone never gets you anywhere - that's what I find any how.

Additionally, as you have access to the internet, you could have done this instantly online through the personal banking website. I've never ever paid a bill by talking to someone - seems unneccessary to me.

Set them a time limit in which to sort it out, then make a formal complaint. Additionally, if you've complained by phone, note down the approximate time and the date you called them as they may have recorded the call and a copy of it might come in useful.

jonesMUFCforever

Can you confirm or check exactly the amount sent from your account. It could be just someone mis-hearing you on the phone and would agree with Daveboy that Internet transfers from LTSB accounts to their own credit cards gets there same day(if its done before 3pm I think or next day if its after)and you could see the exact amount.
Don't agree with shaymenRup about Banking Ombudsan - they only take on cases where the Bank's complaints process has been exhausted and a letter of deadlock issued.
Pay the £200 now if it is still showing on your current account and if you have been charged interest because of it a civil letter explaining the circumstances should result in a refund.
Eric