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Last month Lending steam, who I owe money to due to a defaulted loan due to loss of employment, decided to help themselves to £400 from my current account.


This was taken on a previously cancelled card which I informed the bank I’d lost about 4 months prior to this incident who then issued me a replacement.

They were also able to take this money leaving me £400 overdrawn despite me not having ANY form of overdraft on my account at all.

I phoned Lloyds and informed them of the situation and that I didn’t authorize this, but basically they were unwilling to help me stating that as Lending stream are a financial provider they can basically do what they want as to my account I asked to speak to a manager which I was told they were all busy.

I then informed the ‘helper’ from Lloyds that I would not be paying this as I didn’t authorize it, they have now slapped another £200 worth of charges onto my account and continue to phone me daily.

Where do I stand on this, can Lending stream really use a stolen card to access my account?

I found Lloyds very unhelpful in general and that everytime I ring I always get put through to helpers with very bad English who are clearly reading from a prewritten script.

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Sorry to hear of the way you have been treated. Lending stream will not give you it back so I would make sure your bank pays for their awful service. Switch your account elsewhere and offer your old bank a pound a month knowing it will take for ever.


On the brightside you are better off owing the bank than a pay day loan shark. If you play it right your bank have probably done you a favour.


Another example of cancelling an old card not being a complete safety net.

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