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I am still in talks with my bank and will know more over the next few days. I will then get back to you. Apologies for the delay in replying, have been tied up at work and unable to dal with it until today.
Apologies for the huge delay in responding. It has taken this long to get to the bottom of it. It culminated in my contacting the Financial Ombudsman and sending a letter direct to Lloyds Bank.
They have apologised and refunded the stolen money along with a small amount of compensation to cover the inconvenience, time and cost of phone calls. I feel this is too little, too late and am in the process of changing banks. I honestly feel they couldn't organise a "piss up at a brewery" - please excuse my language, but I feel this is the only way to describe such an inept organisation.
I have also given the name of the fraudster to Action Fraud. I'm not sure what action they will take to deal with this low life, but I do hope something is done.
Anyway, many thanks for wanting to help. I feel the matter is concluded, but if you feel I have missed anything obvious, I would welcome your advice.
Many thanks and regards,