I questioned a transaction from my bank account. Both the company that the money went to and Lloyds bank were not able to help me. Lloyds claimed the money went to the company and the company claimed they did not receive the money. I was out of the country and not able to attend to this within 120 days so Lloyds advised me that their system only allows disputes to be logged up to 120 days back and that there was nothing they could do. I was very disappointed to find that Lloyds would not help me and that money was taken out of my account and there is nothing I can do about it. They said it was not fraud as I gave my details to the company, which was true but the company claim to not receive it. Seems like a serious issue to me that money can go 'missing' like that and I am the one that is paying for it.