<rant>

So I rang Lloyds on the 17th to make a capital repayment of 16k+ against the mortgage.

All was fine.

The money is still in my account this morning!! So I ring again.

1. There is no record of my call last week!
2. They don't DD capital repayments anymore!!
3. I have to transfer the money at a branch or online.

What a heap of tulip.

Cost, 1 week's interest on the repayment amount.

</rant>