Is anybody clued up on Lloyds TSB's internal arrangements on the issue of bank cards?

Discussion in 'Finance, Property, Law' started by Grubby Bum III, Nov 3, 2012.

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  1. Because of possible future implications, I am not at liberty to explain this in full, but I am currently involved in a case where 2 Lloyds TSB cash point cards were issued to two people for use on another person's bank account. The withdrawals made by means of these two cards are suspicious. Lloyds Customer Services have admitted, after some correspondence, that the only evidence they have for the existence of the 2 cash point cards is on the bank statements of the account owner. I think I am right in believing that Lloyds should at least have a record of when those cash point cards were issued and, possibly, to whom they were issued. And, logically, they should have kept records of anything to do with the request for such cards.

    Can anyone advise as to whether or not my suspicions are justified. I am currently looking at referring all the correspondence and other evidence to the Financial Ombudsman Service. Any advice would be welcomed.
     
  2. BiscuitsAB

    BiscuitsAB LE Moderator

    AFAIK cards can only be issued to the account holder or their attorney (as in power of not american for lawyers). Although I have come across a case recently where a business start up service seemed to have control over a clients accounts, but as I'm still looking into that case I'm not yet sure on what basis they can access the clients account.

    Why are you referring to the FOS? Have you made a complaint to LLoyds and its not been resolved? If you haven't then the FOS will just tell you to complain to Lloydstsb first.

    If you want to discuss this properly then pm me a phone number.
     
    • Like Like x 1
  3. maguire

    maguire LE Book Reviewer

    Biscuits has it. unless a joint account or someone holds a power of attorney, they have no business issuing them. were the cards in the account holders name? or the other people's name? smells deeply fishy to me. it's a while since I worked in the industry, but this is basic stuff. they're all ordered and issued from a central point, and you're damn right there should be records...also, iirc, every time you order a new card for an account with one name on it, you automatically cancel the old one for security reasons. something doesnt add up here, unless theres something I dont know.
     
  4. Thanks for this - to put it briefly, I am Executor of a deceased person's estate and I have found evidence in their bank account of financial irregularities. I had complained to Lloyds that they appeared to have failed to keep any records of cards they had issued; but my real aim was to try to ascertain that they genuinely knew nothing of the cards, rather than just not bothering to look through their records properly (regrettably, there is another, more sinister explanation on the provenance of the cards). Lloyds' last word to me was that if I was not satisfied, I should take legal advice or refer the matter to the FOS.

    May well take up your offer to talk if I don't resolve the matter soon - thanks again, Biscuits.
     
    • Like Like x 1
  5. The basic question I'm trying to find an answer for is: is it possible that Lloyds could issue 2 cash point cards on another person's account without there being any evidence of their existence? On the surface of it, it seems highly suspicious. None of the normal procedures associated with the issue of such cards were recorded by the bank. As I explained to Biscuits above, I want to eliminate any chance there have been innocent misunderstandings before I take more serious steps. But explanations from those holding these cards have been wholly inadequate, and the whole matter is now fraught with suspicion.
     
  6. maguire

    maguire LE Book Reviewer

    pm inbound.
     
  7. BiscuitsAB

    BiscuitsAB LE Moderator

    If a cards been issued its on record. If the bank were notified of the death they should have frozen the account if it was a sole account.

    So a couple of possibilities are;
    1. That someone in the bank ordered cards on the account of a vulnerable person, very unlikely but not impossible as I've seen something similar when I worked for a bank in the 90's.

    2. The deceased ordered them either in the full knowledge of what they were doing to give to "friends" so those friends could help out with the shopping and other assorted items. Possible and happens quite often.

    3. The deceased ordered the cards but were coerced or not sound in mind at the time and were steered into it by a third party.Also possible, seen it more than once, which is why I bang on about powers of attorney.
     
  8. Thanks again - your opening comment says it all: the bank must have a record of the issue of the cards. Yet they have categorically stated that they have none. Reluctantly, I am coming to the conclusion that it's a variation of your No 1. The "someone" you mention was a former employee of Lloyds and is by far the greatest beneficiary in the estate I am dealing with. Interestingly, this "someone" also had EPA over the deceased, but did not activate it, seeming to choose the route of these cash point cards instead.
     
  9. Thanks, but PM has not appeared. Knowing my IT skills, I have probably inadvertently deleted it. :hmm:
     
  10. BiscuitsAB

    BiscuitsAB LE Moderator

    Then I'd suggest that this is no job for the FOS its a job for the Police and the FSA . If you want to talk about how to structure this PM me, this is the sort of mess I specialise in getting to the bottom of.
     
  11. Late to this party but know Lloyds TSB relatively well and they must have details of cards issued, if not they are at fault. May have missed it but are you trying to confirm IF cards have been issued or do you have the cards and trying to find out whento whom they were issued?

    ie, is someone (potentially) accessing funds via the cards and you wish to confirm or do they have cards and you want to know why and under what circumstances they obtained the card(s).
     
  12. Wordsmith

    Wordsmith LE Book Reviewer

    Is there any possibility that one of the cards is a clone? i.e. one card is not an officially issued one.

    Wordsmith