What a joke of a banking company. After fraudulent activity on my account I made a claim which was paid back into my account. I had to cancel my card and wait over 10 days for my new 1 to arrive. 4 weeks later they have re-debited the money stating it looks like I had involvement. Each fraudulent activity had a non-gbp transaction go along with it so was made outside of the uk. Even though I was using my card in my home town the same time these fraudulent activities were happening they still say it was me. So now apparently I can cut myself in half be in the USA and UK at the same time. The fraud department over the phone couldn't help as it was passed to the back office where the only form of contact is via email.... which they never reply to. So in a nutshell if you want your money to stay safe AVOID lloyds at all cost. If like me are already with them swith to a more reputable bank ASAP