To contact us about this letter
either visit any branch or write to us at:
Tamworth Branch
Lloyds Bank
BOX1
Mr E A Bennett BX1 1LT
7 KEBLE WALK
TAMWORTH
STAFFORDSHIRE or call us on: 0345 3000000
B79 8BT Our reference: EM921 / AEM2
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Letter Date: 7 May 2024
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Dear Mr Bennett
Your account details: 773111 53254560
Some of your payments haven't been made - what you need to do next
We've tried to make payments from your account but there wasn't enough money to cover them. We
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won't charge you for this. The payments that haven't been made are shown below.
Details of missed payment
Payment request date 7th May 2024
Payment type Direct Debit
Details PAYPAL PAYMENT
Amount £17.23
You need to put money into your account
You'll need to make sure there's enough money in your account before trying to make the payment(s)
again. You can do this by:
• Moving money from another account you have with us through Internet Banking, mobile app
or PhoneBank.
• By paying cash into your account at a branch with a counter.
• Transferring money from an account you have with another provider.
You can find out more about the different ways to make a payment at the end of this letter.
How we manage your account
• We make payments from your account shortly after midnight on the payment due date or the
next working day where dates fall on a non-working day like a weekend.
• If you don't have enough money in your account at this time, we will try to make the payment
again after 2.30pm on the same day. This gives you the chance to move money into your
account.
• Standing order only - If there is still not enough money in your account, we will try one last
time after midnight on the next working day. If there's still not enough to cover the payment, it
won't be made.
Ways you can make payments
• Standing orders. If four standing order payments are missed in a row, we'll assume you don't
want the standing order and we'll cancel it. If this happens you'll need to set up the standing
order again online or by calling us.
• Direct Debits. Get in touch with the company and ask them to request the payment from us
again, or pay them another way on this occasion.
• Cheques. If you would still like the cheque to be paid, you'll need to contact the payee and
request they ask us to pay it again.
PLEASE CONTACT US IF YOU'D LIKE THIS LETTER IN BRAILLE, LARGE PRINT OR ON AUDIO.
If you have a hearing or speech impairment and would prefer to use Textphone, please feel free to contact us on 0345 300 2281 (or 01733 347500 for International customers) or
via Text Relay.
[Link]
Page 1 of 2
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. LgenRN3 36C 57 V
Lloyds Bank plc Registered Office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no.2065. Telephone: 020 7626 1500. 7 8Wem_bau62b
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB: [Link]
Eligible deposits with us are protected by the Financial Services Compensation Scheme. We are covered by the Financial Ombudsman Service.
Ways you can manage your account
Here are some things you can do to help stop this happening again:
• Use Internet Banking or the Mobile Banking app. You can check your account balance and
statements, move money and manage standing orders and direct debits.
• Stay up to date with mobile alerts. We can let you know when you don't have enough in your
account to cover a payment or if you're close to your limit. Register your mobile number and
make sure you've opted in. Visit [Link]/textalerts for more details.
• Change your payment dates. You might find it helpful to move the date your payment is
taken to when you know there'll be money in your account, for example the day you're paid.
Check with who you are paying before you make any changes.
We're here to help
We understand sometimes things change, and we want to support you. If you think you won't have
enough money in your account for future payments, please get in touch. We can talk through your
options together and see what we can do to help. Or you can visit our Money Worries page for more
useful information at [Link]/help-guidance/managing-your-money/[Link].
If you have any questions or want to talk to us about your options, call us on 0345 3000 000.
Independent help and advice is available
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We're always here to help, but there are also other people you can talk to for independent help and
advice. If you have any questions, they can talk to us on your behalf if you'd like them to. Here are
some services that offer free, impartial support:
• National Debtline, 0808 808 4000, [Link]
• StepChange, 0800 138 1111, [Link]
• Citizens Advice, [Link]
Yours sincerely
Darren Tong
Head of Personal Current Accounts
Text message alerts are sent from 8am UK time, 7 days a week including Bank Holidays. This is a free
service for all eligible current account customers.
We don't charge you to use our services but your mobile operator may charge for some things (such
as receiving text messages), so please check with them. Services may be affected by phone signal
and functionality.
To use our Mobile Banking app you need to have a valid phone number registered to your account
and be set up to manage your accounts using Internet Banking. Check your preferred app store for
minimum operating system requirements. Device registration required. The app doesn't work on
jailbroken or rooted devices. Terms and conditions apply.
PLEASE CONTACT US IF YOU'D LIKE THIS LETTER IN BRAILLE, LARGE PRINT OR ON AUDIO.
If you have a hearing or speech impairment and would prefer to use Textphone, please feel free to contact us on 0345 300 2281 (or 01733 347500 for International customers) or
via Text Relay.
[Link]
Page 2 of 2
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. LgenRN3 36C 57 V
Lloyds Bank plc Registered Office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no.2065. Telephone: 020 7626 1500. 7V84858Wem_bau62b
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB: [Link]
Eligible deposits with us are protected by the Financial Services Compensation Scheme. We are covered by the Financial Ombudsman Service.
