Thanks I am a bit new to this but that does not excuse my not reading the dates!

No I am usually well within my old limit and always pay off my cc at least twice per month. They are just being arsey. I will take your advice and look at Nationwide. Any idea how they handle the FX rates? Lloyds seem to get theirs from a server based in cloud cuckoo land.....

Appreciate this is an old thread however my heart goes out to you. I had exactly the same with my high street "reputable" managing agent who took all their fees up front for a two year tenancy but failed to notice the tenant had installed an alarm system in the garage with dreadful wiring everywhere and an obscene alarm box mounted on faced bricks, the washing machine I supplied was not present in the six monthly report but they did not notice, additional (unnecessary) locks fitted to the garage door, builders vans parked all ver my front lawn, all the brand new imported oak floors gouged and scoured despite me specifically adding a clause in the AST. Plus many many more. In the end after me having forked out over £50k in renovations prior to letting it out I got £10 k of damages and ultimately received just under £3k from the deposit. Estate /managing agent claims they did everything as per the book but with me living overseas I could not afford to fly back and fight them in court. Now suffering from a sub market rent after a six month empty status with zero income but increased outgoings which brought us to our knees ( Bromley council still want their pound of flesh Council Tax even on an empty property) and of course now with sterling dropping like hell the £ to my local currency is 20% + down compared to just before the Brexit vote. I want to take the agency to court but anticipate that as I sacked them for fiscal impropriety ( which they denied. It gave me compensation anyway) back in early 2015 I may be too late or the process may be just too much of a problem. Any views yourself?

I realise this is an old thread however it would be great if you could let me know the result? Did you get your money back? My problem was the other way around in that just after we had spent over £50k on internal renovations on our home in the U.K. We rented it out for tw o years through a supposedly reputable estate agency. Bottom line was a ver £10k of damages and no recourse finally got the deposit returned to me after a long fight . Don't know why I bothered.

Sorry too quick on pressing buttons Please read : .....are moving overseas and provide your new address..... Oh and I recommend you check that replacement debit and credit cards are sent to SKorea as I found out at a cost of £7.50 that they do not send c cards to Thailand except by DHL which of course you have to pay. This was even though they had provided me with a replacement one jus a few months earlier at no cost. Don't know about debit cards as Lloyds have not replaced mine yet. Early days only 99 days since I spoke to them.

My opinion having been rogered royally by LTSB is make sure you let them know you are moving overseas and prove de a new address. Ask them to ensure that all relevant bank departments are made aware of the change in your circumstances. I wrote that four years ago never dreaming that I could ( and am) reclaim account fees which became unusable once overseas, and trust card were sending me statements without the country of residence I was in. They claim they did not know which was BS as they got all the overseas address correct with the exception of the country which they did not include. Cost them quite a bit that!

The number of times I have had funds "held back" due to an overseas activity which when it is through has shown that the funds held back were way in excess of the actual. So far there is SFA I have managed to do about it though I will be watching your case very closely as well. Good luck my friend, it is time the banks regained the moral high ground as opposed to the snout in the publics money trough and when all goes sideways ask the same people they have been fleecing for years to bail them out.

My branch of Lloyds has decided that they will not issue me a debit card for my account. Can they do that or are they playing to character?

I am sorry chaps but what is a PAF? I had a Lloyds TSB special (Platinum m) account which cost me £25 per month and came with all sorts of insurance, roadside assistance etc. I notified them that I was moving abroad and gave them my address four years ago yet they continued to charge me the £25 per month for the additional s that were only available to U.K. Residents. I created a query with them and they have refunded me the £25 per month from the date of my query only ( about three or four months) and are now in the process of changing my account to a classic which. Calculate will actially cost me more per month than the platinum one did. I strongly suspect it is just st another cynical " we do not care about our client" actions that I have faced with them for years I have written several times to them by registered mail asking them to run a cost analysis based on three months actual account usage and that I would not accept anything that was going to cost me more or in fact any any change to. My account until they had replied with the cost analysis. Nothing herd from them despite several reminders. Any advice? Oh and when my wife recently washed my wallet and my bank /credit cards I was charged £7.50 for DHL of my credit card only out to. M in Thailand as "Lloyds does not send cards to Thailand" Where are we advised of that and why did they not think it prudent to tell me once they had my new address.