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Thank you. The chances are Lloyds will keep this and offset it against their loan.
But you can certainly take it further
As you have raised a complaint with Lloyds you can take it to the Ombudsman
They can investigate the matter for you and you should include your IVA details so that the Ombudsman can progress it
They offer a free service and are available at:
They should be able to resolve the matter for you
Can I clarify anything for you about this today please?
You have given a NEGATIVE rating despite me giving you the correct legal answer.
What else is it you would like to know from me?