Lloyds told me it would be refunded, but I've heard nothing
In August I paid a bill by transferring £75 to the trader's account with Lloyd's bank.
I then discovered this account had just been closed, so I transferred the same amount to the new HSBC account and was assured that the original payment would be refunded automatically.
However, this did not happen. My local branch of Lloyds told me I should be refunded within the week and, if I wasn't, they would chase it. They then called to say that they couldn't give me any information as I wasn't the account holder. I've phoned and written but heard nothing. LS, Plymouth
It turns out that the account in question was a TSB one and that it is not, after all, closed. If it had been, you would have received an automatic message advising you that the transaction had been unsuccessful.
Lloyd's is mystified as to why, given this, its staff would have promised a refund and you are understandably aggrieved that they have misled you for so long.
The trader who told you the old account was defunct and asked you to make another payment into the new one, is either confused or cunning, and it's from him that you'll have to coax the refund since, as the payment was not made by card, you are not covered by the chargeback process.
If you need help email Anna Tims at your.problems@observer.co.uk or write to Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU. Include an address and phone number. Please note that Anna cannot respond to letters personally.
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