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I promptly agreed and waited for my card. When that came, I still couldn't use it at the usual cash point machine and when I used it for my shopping I had to sign my name on the back of the receipt. So much for chip and pin! I contacted the bank yet again and was told that although I could use this card at chip and pin facilities, I could still only get my money from branch cash points. Not much use if you need to check your finances and the nearest bank is 15 minutes away from the shop.
I cut my card up and decided to stick the first useless cash point card that I had. Then I discovered that this card didn't work anymore because no one explained to me that you could only have one card. Oh the choices… a cash point card (that you can only use at branch cash points) or a chip and pin (which you still have to sign for the transaction).
I decided that the easiest way to get my money from Lloyd's TSB was to transfer my money via on-line banking into another bank account and that way I could access it from whatever cash point I chose. I set up a straight transfer for the sum of £12.00 and waited for the transfer. Nothing happened because the bank had charged me and they made my account overdrawn so I therefore couldn’t transfer any funds!
Then I received a letter telling me I had insufficient funds in my account to pay the standing order of £12, they were going to charge me £20 charges and also try and send the money again within 28 days! I rang the customer helpline (0845 number) and explained that I had not set up a standing order, but a one off direct payment from my account to another personal account, so why was I being charged £20?
Wait for it.......
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