Found 16th Jan 2008
Hey just looked on my lloyds banking online and it says my current balance is about £260
and Ive about £200 left as spent about £60 online 2day

But my available balance says £80 which i dont get

Is that the max amount i can take out or has someone robbed my account??

Daniel

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24 Comments

There may be pending payments .

It was me! I robbed you!!!!

Original Poster

stora;1463991

There may be pending payments .



But i havent spent that much
I had £80 available like 10mins ago and just ordered pilot academy for psp for £8.99 and now its £70.44

But ive got over £200 in my account which i havent spent

I had £535 in my account on 28th Dec and ive spent about £335 ( £200 on psp + games + £80dvds +£55 i owed me mum e.g lent me money for bus and food at work )

the available amount is how much you can take out per day i think

Original Poster

allstar2;1464033

the available amount is how much you can take out per day i think



Phew if thats all it is -- but i thought its like £200 a day or does it incl online purchase eg i can only spend £200 on my debit card per day

see thats just what i was thinking, cos mine doesnt include online purchases

Original Poster

allstar2;1464047

see thats just what i was thinking, cos mine doesnt include online … see thats just what i was thinking, cos mine doesnt include online purchases



**** but that mean ive spent £130 today online :?
Or been charged

From my experience with my bank, when my available balance is different from my account balance, it's because there's either a cheque going through, a direct debit/standing order that's about to come out or online purchases are going through.

As far as I'm aware, the daily withdrawl limit doesn't alter your available balance online or if you use telephone banking. The daily limits are set for cash withdrawls and whatever the limit is can't ever be seen on your account balance like that.

Have you made any other purchases recently that might have taken a little longer to go through? If you call the bank up tomorrow, they'll probably give you a better idea as it should have cleared on their system by then

Original Poster

Charlie&Lola;1464129

From my experience with my bank, when my available balance is different … From my experience with my bank, when my available balance is different from my account balance, it's because there's either a cheque going through, a direct debit/standing order that's about to come out or online purchases are going through.As far as I'm aware, the daily withdrawl limit doesn't alter your available balance online or if you use telephone banking. The daily limits are set for cash withdrawls and whatever the limit is can't ever be seen on your account balance like that.Have you made any other purchases recently that might have taken a little longer to go through? If you call the bank up tomorrow, they'll probably give you a better idea as it should have cleared on their system by then



Nope biggest spend in the last month was the psp at £109 and thats come out

Good old Lloyds TSB...well that is the very reason i left them. My card was refused in a shop...but there was a significant amount still in the bank account.
After visiting the bank manager, i was told about 'earmarking'. What this is, is when you spend on your debit card they 'reserve' funds in your account for the transaction. However, the day the transaction goes through, they only clear the earmarking within the next 6 or so hours. Effectively, the transaction has been taken, and there are funds reserved for the transaction on your account (double counting!!!)
Normally dont notice this, but the initial transaction was for a major holiday which they had taken from the account and still showing the funds as earmarked...Lloyds initially didnt admit the problem until i showed them the refused slip from the shop!
I agree with the other comments...leave until tomorrow and check again with the bank.

Banned

it may be a cheque paid into your account awaiting clearance.

Banned

sadiebabes;1463998

It was me! I robbed you!!!!



All that planning and plotting. Organising and scheming. The travel costs to Middle Earth. The natural risks to bank robbery. And you came away with 120 quid. I hope you've learnt your lesson.

lololol :giggle:



Have you ordered something then canceled it?

It can take 3-4 days for balances to even out with payments going in & coming out.

Original Poster

ChrisUK;1465611

It can take 3-4 days for balances to even out with payments going in & … It can take 3-4 days for balances to even out with payments going in & coming out.



Gone to £168 available balance

It's sony telling you how much they are discounting the PS3 too.

Original Poster

t0mm;1469461

It's sony telling you how much they are discounting the PS3 too.



Lol too late now bought a psp instead of a ps3

Oh I bought a PSP too, how utterly cool! REMOTE PLAY FTW

Original Poster

t0mm;1469506

Oh I bought a PSP too, how utterly cool! REMOTE PLAY FTW



lol i spent over £220 so far on it - i love the new slim one better than the beast that is psp phat -- plus loving loco roco

I bought mine off fleabay brand new. I've spent around £150.

Original Poster

t0mm;1473419

I bought mine off fleabay brand new. I've spent around £150.



Mines got a tiny dead pixel :-( Cant be arsed to send it back now - will wait until they get it back instock and then send back

Ahh, mine doesnt! I bougt a memory card yesterday. 1GB, just putting stuff on it.

Banned

dandoc2;1473885

Mines got a tiny dead pixel :-( Cant be arsed to send it back now - will … Mines got a tiny dead pixel :-( Cant be arsed to send it back now - will wait until they get it back instock and then send back



That's probably not wise - at least if you havent made them aware. You have 30 days to get it sorted - but make sure you tell them - and take a note of the persons name you spoke to (and time and date) for your records. Just in case......
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