desperate for help
#1
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Joined: Oct 2004
Posts: 16
desperate for help
i arrived in oz a week ago and am having serious problems with my uk bank cards here.
the story is as follows. its a lloyds tsb visa delta debit card which will work when swiped through an eftpos but is simply rejected if i attempt to withdraw cash from an atm. i am not allowed to get cashback from eftpos because all foreign cards go through as credit.
i have contacted lloyds in the uk who have no explanation for it at all. the only thing i have been able to do is transfer money from the uk to my new account here but that will take 3-5 days.
i have explained the situation to commonwealth bank who have said that there is nothing they can do. they wont give me any overdraft until i can prove i have a job.
i'm desperate now. i have 35 cents in my pocket. has anyone else had the same problems and what did you/can i do??
i know as long as the card works with eftpos i'm not going to starve but it means i'm forced to spend $10 every time i use it, and this doesnt help if i want to get a bus.
i'm hoping someone can help.
the story is as follows. its a lloyds tsb visa delta debit card which will work when swiped through an eftpos but is simply rejected if i attempt to withdraw cash from an atm. i am not allowed to get cashback from eftpos because all foreign cards go through as credit.
i have contacted lloyds in the uk who have no explanation for it at all. the only thing i have been able to do is transfer money from the uk to my new account here but that will take 3-5 days.
i have explained the situation to commonwealth bank who have said that there is nothing they can do. they wont give me any overdraft until i can prove i have a job.
i'm desperate now. i have 35 cents in my pocket. has anyone else had the same problems and what did you/can i do??
i know as long as the card works with eftpos i'm not going to starve but it means i'm forced to spend $10 every time i use it, and this doesnt help if i want to get a bus.
i'm hoping someone can help.
#2
Guest
Posts: n/a
Re: desperate for help
Originally Posted by andy603
i arrived in oz a week ago and am having serious problems with my uk bank cards here.
#3
Re: desperate for help
Originally Posted by andy603
i arrived in oz a week ago and am having serious problems with my uk bank cards here.
the story is as follows. its a lloyds tsb visa delta debit card which will work when swiped through an eftpos but is simply rejected if i attempt to withdraw cash from an atm. i am not allowed to get cashback from eftpos because all foreign cards go through as credit.
i have contacted lloyds in the uk who have no explanation for it at all. the only thing i have been able to do is transfer money from the uk to my new account here but that will take 3-5 days.
i have explained the situation to commonwealth bank who have said that there is nothing they can do. they wont give me any overdraft until i can prove i have a job.
i'm desperate now. i have 35 cents in my pocket. has anyone else had the same problems and what did you/can i do??
i know as long as the card works with eftpos i'm not going to starve but it means i'm forced to spend $10 every time i use it, and this doesnt help if i want to get a bus.
i'm hoping someone can help.
the story is as follows. its a lloyds tsb visa delta debit card which will work when swiped through an eftpos but is simply rejected if i attempt to withdraw cash from an atm. i am not allowed to get cashback from eftpos because all foreign cards go through as credit.
i have contacted lloyds in the uk who have no explanation for it at all. the only thing i have been able to do is transfer money from the uk to my new account here but that will take 3-5 days.
i have explained the situation to commonwealth bank who have said that there is nothing they can do. they wont give me any overdraft until i can prove i have a job.
i'm desperate now. i have 35 cents in my pocket. has anyone else had the same problems and what did you/can i do??
i know as long as the card works with eftpos i'm not going to starve but it means i'm forced to spend $10 every time i use it, and this doesnt help if i want to get a bus.
i'm hoping someone can help.
Is there anyone you know who you can buy the shopping for on your card and they give you the cash?
Not much help I know- hope you get sorted
#4
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Joined: Nov 2004
Posts: 1
Re: desperate for help
Hi Andy,
I had exactly the same problems with my Lloyds TSB card and the only thing that worked for me was to use ANZ cashpoints. Hope it works.
I had exactly the same problems with my Lloyds TSB card and the only thing that worked for me was to use ANZ cashpoints. Hope it works.
#5
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Posts: n/a
Re: desperate for help
Originally Posted by Sandra
Where in Oz are you?
Is there anyone you know who you can buy the shopping for on your card and they give you the cash?
Not much help I know- hope you get sorted
Is there anyone you know who you can buy the shopping for on your card and they give you the cash?
Not much help I know- hope you get sorted
#6
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Joined: Dec 2002
Location: Keep true friends and puppets close, trust no-one else...
Posts: 93,809
Re: desperate for help
Originally Posted by ABCDiamond
That's a very good idea
Westpac machines arent keen on Lloyds cards BTW, and I sometimes have trouble between 10pm-1am UK TIME .
Last edited by Pollyana; Nov 11th 2004 at 11:18 pm.
#7
Just Joined
Thread Starter
Joined: Oct 2004
Posts: 16
Re: desperate for help
thanks for all your suggestions.
to answer some of your questions, i'm in wollongbar (halfway between lismore and byron bay). i can now hear some of you asking why i'm in the the middle of nowhere. well, i'm staying with the parents of someone i met when they travelled around europe. sort of repaying favours.
i have tried withdrawing money against credit, savings and cheque with no success.
i have phoned anz bank who promise me that my card will work but as of yet i'm not going to hold my breath.
i did ask lloyds if the time difference was a factor and they said no. the only time it may not work is if visa are updating or repairing their system which normally happens once a month, although i have subsequently found out that visa are not one organisation. each continent, and sometimes country, operates as a subsiduary(sp) of the parent company and therefore they run on different systems!!
lloyds have been relatively good about it. they have waived all charges to transfer my money but i did point out they should double check their literature, you know, the standard line of our cards will work in 10million machines around the world!!!
i had a similar problem when i travelled across canada and the usa, in that some banks took my card and some didn't but it was far easier to get cash back as my card was drawn against the chequing option.
again, thanks for the suggestions and i'll keep you posted as it may help some other poor bugger stuck in the middle of nowhere.
to answer some of your questions, i'm in wollongbar (halfway between lismore and byron bay). i can now hear some of you asking why i'm in the the middle of nowhere. well, i'm staying with the parents of someone i met when they travelled around europe. sort of repaying favours.
i have tried withdrawing money against credit, savings and cheque with no success.
i have phoned anz bank who promise me that my card will work but as of yet i'm not going to hold my breath.
i did ask lloyds if the time difference was a factor and they said no. the only time it may not work is if visa are updating or repairing their system which normally happens once a month, although i have subsequently found out that visa are not one organisation. each continent, and sometimes country, operates as a subsiduary(sp) of the parent company and therefore they run on different systems!!
lloyds have been relatively good about it. they have waived all charges to transfer my money but i did point out they should double check their literature, you know, the standard line of our cards will work in 10million machines around the world!!!
i had a similar problem when i travelled across canada and the usa, in that some banks took my card and some didn't but it was far easier to get cash back as my card was drawn against the chequing option.
again, thanks for the suggestions and i'll keep you posted as it may help some other poor bugger stuck in the middle of nowhere.
#8
Re: desperate for help
Originally Posted by andy603
lloyds have been relatively good about it. they have waived all charges to transfer my money but i did point out they should double check their literature, you know, the standard line of our cards will work in 10million machines around the world!!!
i had a similar problem when i travelled across canada and the usa, in that some banks took my card and some didn't but it was far easier to get cash back as my card was drawn against the chequing option.
again, thanks for the suggestions and i'll keep you posted as it may help some other poor bugger stuck in the middle of nowhere.
i had a similar problem when i travelled across canada and the usa, in that some banks took my card and some didn't but it was far easier to get cash back as my card was drawn against the chequing option.
again, thanks for the suggestions and i'll keep you posted as it may help some other poor bugger stuck in the middle of nowhere.
I would complain to Visa in Australia.
http://www.visa.com.au
Is this card the *only* UK card you've got?
Jeremy
#9
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Joined: Oct 2004
Posts: 16
Re: desperate for help
Originally Posted by JAJ
Any card with a Visa logo *should* work in any ATM bearing the Visa logo worldwide. Especially if it's issued in a country like the UK that does not have foreign exchange controls.
I would complain to Visa in Australia.
http://www.visa.com.au
Is this card the *only* UK card you've got?
Jeremy
I would complain to Visa in Australia.
http://www.visa.com.au
Is this card the *only* UK card you've got?
Jeremy
i was given a phone number for visa australia by lloyds, as there is no "contact us" link on their web site, and they simply told me to contact my bank because they are the card provider (the lady did rather rudely point out that this is explained on their site if i had bothered to read it properly!!)
it was also they that explained that there are different visa systems in operation around the world which is why it may not work.
oh well, i'm now off to ballina to try the anz machine.
#10
Re: desperate for help
Originally Posted by andy603
it was also they that explained that there are different visa systems in operation around the world which is why it may not work.
I would still put an official complaint in writing. That doesn't sound correct to me - a Visa logo should mean worldwide acceptability, no ifs or buts (and certainly none of this talk about different 'systems'). Maybe write to Visa in the UK?
A black mark for Visa vs Mastercard, I'd say.
Jeremy
#11
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Joined: Oct 2004
Posts: 16
Re: desperate for help
success!!!!! not with anz though. bank of brisbane atm spewed out that lovely paper stuff!!!!
lloyds phoned me again last night and asked if i would keep a record of atm's that i can and cant use, with the view to including it in their account guides. you never know, they may pay me to travel the world and test atm's!!!!
lloyds phoned me again last night and asked if i would keep a record of atm's that i can and cant use, with the view to including it in their account guides. you never know, they may pay me to travel the world and test atm's!!!!
#12
Re: desperate for help
Scary thought really... I know most of us use cash very rarely anymore but we still DO and to be without it when you need it is such a pain in th @rse!
Glad that you sorted it all out and that you can now board a bus
Siren
Glad that you sorted it all out and that you can now board a bus
Siren
#13
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Joined: Dec 2002
Location: Keep true friends and puppets close, trust no-one else...
Posts: 93,809
Re: desperate for help
Originally Posted by andy603
success!!!!! not with anz though. bank of brisbane atm spewed out that lovely paper stuff!!!!
lloyds phoned me again last night and asked if i would keep a record of atm's that i can and cant use, with the view to including it in their account guides. you never know, they may pay me to travel the world and test atm's!!!!
lloyds phoned me again last night and asked if i would keep a record of atm's that i can and cant use, with the view to including it in their account guides. you never know, they may pay me to travel the world and test atm's!!!!