They have no connection with LLoyds TSB I have checked with the Lloyds Bank who I must add were very helpful. However I have reported the whole thing to the Office of Fair Trading/UK Consumer Direct who have now, I believe, passed this on to the Euroconsumer. I also believe from Consumer Direct that this company is regulated by the Malta Financial Services and that I should contact them as well.

Both the Lloyds TSB and my bank have confirmed that this act was fraud, so I have taken all the steps I have been advised to take including a solicitor.

I have also advised this company of what I have done, but have also confirmed that I am not disputing the money due, but I will not be paying any charges they put on my account and that payment will be made through my solicitor after all investigations have been carried out all of which is on the advice of my solicitor.

Other steps have been taken but I will not bore you with that.

So it will be interesting to see what happens in the investigations.