I have not been a banking customer of Lloyds since I opened my very first checking account in Headingly, Leeds in the 1970s.

I was mad about Black Beauty so the Black Horse Bank was the perfect choice for me.

Fast forward 40 years and I was offered an incredible balance transfer offer too good to pass on so I opened a Lloyds Credit card not to shop but to move a high interest debt and pay it off.

All was well until a payment due on the 10th of the month was taken on the 9th and I hadn’t moved the correct amount from savings to checking so the payment was returned, a late fee was charged and I immediately lost my promotional rate.

I paid the amount manually on the 10th the due date and then set about getting my promotional rate restored and the late fee credited.

I even went ahead and paid the next payment early to ensure there would be no further issue.

You have to speak to the bank on a AI chat line so there is a delay to get a human and the conversation is disjointed.

You have worry because you don’t know if anyone is listening and you feel trapped in a system you have little control over.

Low and behold my paying early and trying to put contingency in place didn’t work because the bank tried to take another payment on the 10th of the next month, which obviously failed, it had already been paid, an additional late fee charged and I am imagining promotional rate lost once more.

This is a system that is on your heels and it’s difficult to get things resolved when they go wrong.

I am waiting to see if this 2nd error can be rectified or if I am shopping for another balance transfer offer.