This is good advice. As wank as Lloyds TSB are, there is a helpful automated message they play when you ring them before they connect to an adviser. It warns how they will never send you an email asking you to input your details. The only way you'd ever have to do that is via secure internet banking, for which you will set your own password etc. If they make an outbound call to you they wont ask for acc no and sort code as they have it front of them, but they will ask other security questions to verify you are the account holder. Again, a password can be set by you.
Having said that, I still had $39.99 taken out of my account every month for 12 months. Was a right pain getting Lloyds TSB to look into it. Woman on the fraud line was a snotty bitch and her and this other guy did everything they could to left shoulder it and make out like it was something I had done. Long story short, I did my research, went to a few consumer websites and not only got the trading standards and legal info to demand Lloyds adhered to, I also came across lots of people warning of the same company which had been taking money off me.
Over the 12mnths these fraudulent robbings twats used the following company name so look out for them on your statement. Took me over 12mnths to realise as it showed up as £26 or £27 each month. I didnt look at it carefully enough and assumed Id bought petrol or something.
Acurad
Allvod IV
Burrulla Inc
Edit: Got all my cash back plus £55 in charges from Lloyds for when the fraudulent debit took me over my agredd overdraft. £340 odd quid all in all. A good ending but they were fuckin hard work.
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I know what you mean with customers, im polite, even tho id like to tell em where to get off but like you said it comes with the job, let them fume and look like knobs, just gotta knuckle down and get on with it. 