Yes I am aware of this which is what I said
The problem I have with this is you have to have a bank account your f**ked, and particualrly Lloyds internet site is absolute shite and it is very simple to f**k up.
Also why do they make the payment if you don't have the funds/overdraft just reject the card, it's what used to happen.
Why?
Because its a good scam thats why.
There will always be people that are shit with money (like me) and these are usually the people that can least afford these charges, its targetted and that is the issue.