Possible fraud on my Lloyds TSB cash account?!?!?!?!? Bit of a rant sorry.

[backofbeyond]

Woke up this morning and checked my account online only to find that my available balance was way less than it should have been. I presumed that there must have been a problem with a credit I had received (my HB) so decided to call them up. This was 7.30am. The lady I spoke to told me that there was £273 of pending card payments which absolutely flumaxed me as I knew that there was only £78.43 pending. This left an unaccounted for amount of £194.72. She said that I would have to call back after 8am to speak to the clearing department. Rang at 8am and explained my query again and asked to be put through to clearing dept, placed on hold and then cut off so called again and went through security and had to explain ALL of my query before being put through.

 

Well not sure what good the clearing department were apart from telling me that yes there was a card payment pending for £194.72 and that it was my card (I have a joint account). She told me not to worry as I was covered on my account for fraud BUT there is nothing they can do until it shows up who the recipient is. GREAT!! The payment that this has swallowed up is my HB payment (my last payment as have just started work) and I really depend on that money to pay my rent etc. So i ask is there nothing that they can do? I am told NO not until they know who it is to which can take 3-5 days she did give me another telephone number, customer support and told me to ring them to see if there is anything they can do. So I call customer support and speak to a gentleman (and explain the WHOLE process once again) and he says that there is nothing that he can do at the moment (same story as before, can't do anything until they know who the money is going to and that we are not eligible for an overdraft) but he will send an email to my branch to see if they can help but they don't open til 9am and then have 3 hours to respond. He then said it would be better if I call just after 9am and then they can speak to the branch directly while I am on the phone. So I wait another 20 mins and call back, I explain the WHOLE situation once again and then I am placed on hold while they speak to the branch. He comes back and says "i'm really sorry but there is nothing we can do".

 

WONDERFUL, so some b*stard has used my card (my card has now been blocked btw), spent £194.72 on MY card, left me skint with bills to pay and food to buy and no one can help me until they know who it is going to.

 

Sorry for the Friday afternoon rant but it's really got my back up!