Last September a PayPoint territorial manager signed Baldev Maan up for PayPoint One and a Lloyds Bank Cardnet machine. He was persuaded do all the paperwork and told it wouldn’t be processed until he had broadband. By this January 2019 he was ready to proceed and was connected.

However, the rep wrongly told the bank it was all systems go from the signing date and so, in October, £25 was taken out by Lloyds. Baldev instructed his own bank to cancel any more debits going to Lloyds. Then his Cardnet machine got switched off. Lloyds said they needed £50 to put the machine back on as that was the required payment for November and December 2018, even though the service didn’t go live until late January.

Baldev complained all over the place – Lloyds, the rep, PayPoint, and me.

He added: “I hope that this does not go against my credit rating because this is not my fault.”

I contacted PayPoint, which contacted Lloyds, which is now processing the refund.

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