You think yours is a badbeat story Matt................
1) I have a chequebook stolen/found or whatever a few years back, i noticed this almost immediatley and called the bank and cancelled it. I then get a statement showing 11 cheques had been cashed at £200 a pop all over Skegness (post offices), this was AFTER it was reported missing/cancelled.
The bank were very good about it and after me supplying a crime No. they refunded all but £200 (took around 4 months to get that back!!
2) I checked my bank online and noticed a few transactions not mine, i immediately called them and they cancelled my debit card, sent me a form and refunded the money very quickly.
This was due to someone either copying my card details or getting the info from a reciept, can't remember exactly how much but i think it was in the region of £1,100 total.
3) Around this time last year i had deposited a large amount of money into my account, £25,000 to be precise, it was legit and i could (and have) proved where it came from.
Within a week a cheque passed thru my account for £22,000 which the bank honoured, i was in America at the time and i immediately noticed upon my return, called the bank and told them it was nothing to do with me STOP THE CHEQUE!!!!!!
They didn't stop the cheque in time but did manage to stop the thief from withdrawing all of the money (they got £5,800).
Now after a huge amount of hassle and approximately 4 months i managed to get back the £16,200 but the bank refused to return the balance saying they wanted the police to complete their investigation first. Fair enough you might think until you look at the banking code which clearly states they should have refunded it immediately.
Anyway i could go on about all the grief and hassle i've been thru but that's all pointless, at the moment a YEAR on i am still £5,800 out of pocket, the police are too busy with murderers and rapists to investigate (i dont blame them) and the bank have NEVER, EVER contacted me in regard to this matter. The financial ombudsman is a waste of time and i have a lawyer involved now.
This wonderful bank? LLOYDSTSB, stay well clear of the scumbags.
I feel a little bit better now
