Had a running in with Lloyds TSB this week. On the 8th October my Credit card payment was due, and as per every other month it is paid via a direct debit for the full amount from my Lloyds TSB current account. It showed on my CC statement (online) that they had received payment, however nothing showed on my current account. I ignored this as sometimes it takes a day or two for the online statements to catch up. On Monday 19th October, I checked my current account and noticed that still my CC payment has not shown up. I then checked my CC statement, only find that there is an entry for "Returned Direct Debit" on it. I called phone banking and they put me through to card service (eventually after having to ring an 0845 number from my mobile) and they admitted that there had been a problem with there system. I then agreed for the payment to be taken manually from my current account.
I questioned whether I am going to be charged for the missed payment, and she said that she would put a note on the system that it had been a system fault. I further questioned whether my missed payment would effect my credit rating. I did not want my rating effected as I am looking to apply for a mortgage in the next 4months. They said that the only way to see is that I will need to obtain a credit rating report. Why should I obtain this when all this has been caused by Lloyds TSB and their systems. I have requested that they confirm to me in writing that my rating will not be effected.
Then on Wednesday, I noticed that there had been another payment made against my CC account, only to realise that the payment had come from my Incentive saver account without my authorisation or agreement. I called phone banking and card services again, and I incisted that they opened a complaint regarding the unauthorised payment. They told me that it had been handed to collections and they have the authority to take money from any of my accounts if they need to. Why has this been handed to collections when the direct debit payment was only returned on the 15th Oct (6days later).
I have now requested an writen apology and compensation as the payment they have taken will cause my Incentive savings account to loose its beneficial interest rate as there a withdrawal has been made from it in the month.
I spent 42min on the phone to them last night to try and sort this nightmare out, and I have a sneaking suspicion that I am going to be hit with a default or blemish on my credit report about this mess.
What can I do to pressure them in to obtaining me a credit report to prove that their error has not impacted my rating.
Thank in anticipation.