ok this has been bugging me for a while now. anyone else notice that when charges are applied then all of a sudden on the same or next day some obscure debit payment appears? thus giving Lloydsicon the oppertunity to charge you again.....they cant charge u if you go o/d from charges being applied ,but they can if somethign goes ontop......ive notices a few times in the last 6 months that debit payments by card can take sometime ten days to go on the acc,esp when charges are due. when at other times they are usually done on the same or next day...wierd isint it....or is it just me, well, i moaned at them today and they refunded £27 of charges for a £4 debit card payment. i know that i havenet used a debit card this week or last, so its been hanging around all this time....all i can advise if anyones had the same is to ring them and complain, amazingly they paid up! but they did say that they wont do it again for another 12 months...