LLOYDS/TSB/HALIFAX SOMETHING FISHY GOING ON WITH CHARGING SYSTEM
Although the above banks have their separate ways to avoid going overdrawn or fees being charged for returned items. This works as long as you pay cleared money in to your account before 3.30pm on a working day. I have recently seen another thing that these banks are doing. Namely this is debit card transactions coming through after 6-7 pm in the evening. Bonus if they come through on a weekend then they show up as being debited the next working day. However what does one do if these debits debit after 6pm ? Most people will check their account during the day and pay in if needed to cover the extra amount. What happens if this happens after 6pm ? The charge still goes on. I have seen this happen several times with other peoples accounts. Is this a way to boost profits by these banks ? If I am wrong please correct me. Before somebody says something about contactless. That is even worse.