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56rJKtrE4 This recent event has left me at the end of my tether and has prompted me to seriously consider action against Lloyds who have been fleecing me for years it would seem. It's not strictly related to bank charges (although I have been warned by Lloyds that I could incur some) but just another example of how banks really don't give a monkey's. On Wednesday I had some work done on my car which totalled £270. I paid by my Lloyds Visa Delta card. The garage processed the payment which rejected as "Not authorised". We tried again and the payment went through. I discovered last night that my balance was £570 which is what I was expecting however only about £20 was available. It was obvious that I had been charged twice for £270. I called their "24/7 helpline" and was told that they couldn't help as it was outside business hours and therefore they couldn't see the transactions. This morning I was more alarmed to discover I now have available funds of 0 as £70 has been debited (2 failed direct debit bank charges so I'll be having that back thanks). Lloyds Customer Service passed me to the Debit Card Dispute line who said that it wasn't for them(!) and passed me back. They then told me to contact the garage as it was their problem and that they would have caused me charges. I reluctantly called the garage which was a little embarrassing, and luckily they agreed to investigate at their end. Their merchant services had said that although the first transaction had shown up at the garage as not authorised, it had in fact gone through as a debit, followed by an instant credit to cancel it. I called Lloyds yet again and they hve informed me that although debits get 'earmarked' against your available balance within one working day, credits won't appear for around 3-4 working days so I should expect to see the available balance restored on Tuesday. Brilliant. What they have basically told me is that through no fault of mine or the garage's, I am unable to withdraw MY MONEY this weekend and I could also be charged for not keeping my account in credit.