Page 1 of 11

Statement number 57
Issue date 8 December 2020
MISS Z QAYYUM Write to us at Box 3 BX1 1LT
55 ORTON ROAD Call us on 0345 300 0000
LEICESTER Visit us online www.lloydsbank.com
LEICESTERSHIRE
LE4 2AT Your Branch GEORGE RW NRTHMPTN
Sort Code 30-96-09
Account Number 52142360
IBAN GB76 LOYD 3096 0952 1423 60
BIC LOYDGB21071

CLASSIC 07 November 2020 to 08 December 2020

Your Account
Date of previous statement 06 November 2020
Balance on 07 Nov 2020 £8.85
Money in £1,870.25
Money out £1,855.77
Balance on 08 Dec 2020 £23.33
Arranged overdraft interest £0.00
You should review your account regularly to check whether it
remains appropriate for your circumstances.

Fees Explained

Club Lloyds Account Holders – The Club Lloyds maintaining the account fee will be shown in the transactions overleaf as ‘'Club Lloyds fee’. If you are eligible to have
this Maintaining the account fee waived, you will also see a transaction described as ‘'Club Lloyds waived’. This does not apply to non-Club Lloyds customers.
Other services - There are fees for other services you have asked for. You can find more details in your account conditions or at www.lloydsbank.com.

Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.

Things you need to know
Getting in touch

J Write to us: Lloyds Bank,

PO Box 1, BX1 1LT Q Visit us in branch K Go online:
lloydsbank.com/contactus f Call: 0345 300 0000
7am-11pm, 7 days a week

Ways to manage your account About the fees we charge if you use your card abroad
Keep track of what's going in and coming out of your account at any time using: Personal Debit and Cashpoint® Card Charges - If you use your card to withdraw
• Internet Banking – View and manage your accounts online. Register at cash or make a payment in a currency other than pounds, the amount is converted
lloydsbank.com/internetbanking to pounds on the day it is processed by Visa using the Visa Payment Scheme
• Mobile Banking – Manage your account on the go with your mobile phone or exchange rate on the day. You can find the exchange rate by calling
tablet. Download our app from Google Play or the App Store. 0345 300 0000 (+44 1733 347 007 from overseas). If your account is held in the
Channel Islands or Isle of Man, call 0345 744 9900 (+44 1539 736626 from
• Telephone Banking – Our automated service is available 24/7, or you can talk
overseas). If you call before the transaction is processed the rate provided will be
to us between 7am and 11pm, 7 days a week. Not all services are available 24
an indication only.
hours a day, 7 days a week.
• Text Alerts – We can send mobile alerts to help you keep an eye on your If you use your debit card or your Cashpoint® card to withdraw cash in a currency
account balance, for example when you’re about to go into your arranged other than pounds (at a cash machine or over the counter) we will also charge a
overdraft. foreign currency cash fee of £1.50. Where you elect to allow the cash machine
operator/financial service provider to make the conversion to pounds we will only
Overdrafts - choosing the right way to borrow charge a foreign cash fee of £1.50. The provider of the foreign currency may make
An arranged overdraft can help out when you need to borrow in the short term. For a separate charge for conversion. We won't charge a foreign currency cash fee or a
example to pay an unexpected bill. But if you use it often and don’t reduce your foreign cash fee if you withdraw euro within the EEA or UK.
balance, it can turn into an expensive way to borrow. Our cost calculator, which you Where you use your debit card to make a purchase or other transaction (not cash
can find online at lloydsbank.com/overdrafts, tells you how much an arranged withdrawal) in a currency other than pounds, whether in person, or by internet or
overdraft costs. If you need to borrow money for a longer time, there may be other phone, we will also charge a £0.50 foreign currency purchase fee. The foreign
options better suited to your needs. For more information visit currency purchase fee does not apply to the Premier and Platinum debit cards; and
lloydsbank.com/borrow or call us to talk through your options. will not be charged if your payment is made in euro within the EEA or UK.
Check if your account is still right for you We will not make a charge for the withdrawal of cash in pounds within the UK,
Your banking needs can change over time so it’s important to check your account is however, the owner of a non-Lloyds Bank cash machine may. Other charges apply,
still right for you by visiting lloydsbank.com/currentaccounts to see our latest please see the banking charges guide for details.
current accounts. Keeping your data safe
Our interest rates We promise to keep your personal information safe and only use in the way you’ve
If we pay interest on your balance, your current interest rate is shown on the front of asked. See our privacy notice at lloydsbank.com/privacy or call us for a copy on
this statement. To find out what the interest rates are on our other accounts, visit 0345 602 1997.
lloydsbank.com/current-accounts/rates. Private Banking Customers visit
We’re here for you if something isn’t right
lloydsbank.com/private-banking. Alternatively ask us in branch.
We want to make sure you’re happy with the products and service we offer. But if
something goes wrong, let us know and we’ll do everything we can to put things
J Protecting yourself from fraud right. If you’re still not happy, you can ask the Financial Ombudsman Service to look
at your concerns, for free.
• Check your statements regularly - If something doesn’t look right or you
spot a transaction on your statement you didn’t make, call us straight away The Financial Services Compensation Scheme (FSCS)
on 0800 917 7017 or +44 207 4812614 if outside the UK. We may not be The deposits you hold with us are covered by the Financial
able to refund a payment on some types of account if you tell us more than Services Compensation Scheme (FSCS). Every year we’ll
13 months after the date it happened. send you an information sheet which tells you the types of
• Keep your statements in a safe place - If you want to throw them away, you deposits covered and the protection offered by the FSCS.
should do it in a secure way, like shredding them – please don’t just put them For more information visit FSCS.org.uk
in the bin.
We send statements and other communications from time to time for legal
• Helping you stay protected - We’ll do all we can to help you avoid fraud. Visit reasons or to let you know about changes to your accounts or services.
lloydsbank.com/security for ways to protect yourself and information on
the latest scams. When you call us your call 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
• If your card, cheque book or PIN is lost or stolen - Call us straight away on
service.
0800 096 9779 or +44 1702 278 270 if outside the UK – lines are open
24/7.
• The freeze card feature in our Mobile Banking app lets you quickly freeze and
unfreeze different types of transaction on your cards whenever you need to.
Find out more at
lloydsbank.com/help-guidance/customer-support/lost-or-stolen-cards

If your vision is impaired – please contact us for an alternative

format such as large print, Braille or audio CD.
If your hearing or speech is impaired – you can contact us using the Relay UK Service or via Textphone on 0345 300 2281 (lines are open 24 hours a
day, 7 days a week). SignVideo services are also available if you're Deaf and use British Sign Language at lloydsbank.com/signvideo
Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065 Lloyds Bank plc is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
Fair lending – we adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 57 Sort Code 30-96-09
08 December 2020 Account Number 52142360
Page 3 of 11

CLASSIC

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
06 Nov 20 STATEMENT OPENING BALANCE 8.85
09 Nov 20 BGC 861064281551-CHB 21.05 29.90
09 Nov 20 FPI QAYYUM Z ZAINAB RP4679963408470100 15.00 44.90
09 Nov 20 FPI M QAYYUM 400000000678754341 300.00 344.90
09 Nov 20 FPO TUTOR DOCTOR 100000000672520500 120.00 224.90
09NOV20 20:10
11 Nov 20 DEB HERBALIFE (UK) LTD CD 4066 42.28 182.62
11 Nov 20 FPI A JUNAID-UL-HASSAN HASSAN 50.00 232.62
200000000672829359
11 Nov 20 FPI K MAHMOOD ABDULLAH 300000000678271810 100.00 332.62
16 Nov 20 BGC 861064281561-CHB 21.05 353.67
17 Nov 20 FPO ASAD AZEEM 400000000681820041 17NOV20 150.00 203.67
14:35
20 Nov 20 DEB APPLE.COM/BILL CD 4066 0.79 202.88
23 Nov 20 BGC 861064281571-CHB 21.05 223.93
24 Nov 20 FPI QAYYUM Z ZAINAB RP4679964921984000 650.00 873.93
24 Nov 20 FPI QAYYUM Z ZAINAB RP4679964922074300 260.00 1,133.93
24 Nov 20 FPO MUKUND PATEL 100000000678366645 650.00 483.93
24NOV20 13:32
24 Nov 20 FPI QAYYUM Z ZAINAB RP4679964952406600 140.00 623.93
24 Nov 20 FPO ASAD AZEEM 100000000678475889 24NOV20 250.00 373.93
18:02
25 Nov 20 DEB E.ON ENERGY SOLUTI CD 4066 120.00 253.93
27 Nov 20 FPI MUHAMMAD KHAN 201127185126618292 50.00 303.93
27 Nov 20 FPO ASAD AZEEM 100000000680197417 27NOV20 50.00 253.93
20:15
30 Nov 20 DEB CURRYS ONLINE CD 4066 28NOV20 198.00 55.93
30 Nov 20 BGC 861064281581-CHB 21.05 76.98
01 Dec 20 DD SEVERN TRENT WATER 03245290 2.98 74.00
280015626320203311
01 Dec 20 DD TV LICENCE QBP1 10597633 3941149602 40.62 33.38
02 Dec 20 FPI QAYYUM Z ZAINAB RP4679965963232000 200.00 233.38
07 Dec 20 BGC 861064281591-CHB 21.05 254.43
07 Dec 20 DD H3G 07627713 978679118707031220 161.10 93.33
07 Dec 20 FPO Z QAYYUM 200000000684577998 07DEC20 70.00 23.33
11:38
07 Dec 20 STATEMENT CLOSING BALANCE 1,855.77 1,870.25 23.33
Payment types:
BGC - Bank Giro Credit FPO - Faster Payment DEB - Debit Card DD - Direct Debit
FPI - Faster Payment
Transaction Details

Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.

Statement No. 57 Sort Code 30-96-09
08 December 2020 Account Number 52142360
Page 4 of 11

CLASSIC
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if that
happened on a weekend or a Bank Holiday.
Ways to manage your arranged overdraft.
No matter what current account you have, we have several features to help you manage your money.
Mobile and Internet Banking - You can access Internet and mobile banking 24 hours a day 7 days a week. By making use of Internet
Banking you can track your money, make payments and transfers and see your statements.
Alerts - We can also send you mobile alerts. Alerts can help you manage your money and avoid charges. They remind you when you
need to pay cleared funds into your account. They can also help you avoid going into an unarranged overdraft or having payments
refused. Unless you’ve opted out, you’ll automatically receive alerts provided we have an up to date mobile number for you.
To find out more visit www.lloydsbank.com/alerts
Calculating the cost - If you have an arranged overdraft with us, would like to increase the limit on an existing one, or are thinking of
applying for an arranged overdraft, you can calculate the cost using our cost calculator tool at www.lloydsbank.com/overdrafts
You can also find general information about the cost of arranged overdrafts at www.lloydsbank.com/overdrafts
Keeping track of your borrowing - An overdraft is there to help out when you need to borrow in the short term. But if you use it
often and don’t reduce your balance, you could pay more in charges than other forms of borrowing.
You should consider if an arranged overdraft facility is the most suitable option for you to borrow money. If you would like to discuss
potential alternative options that we may be able to provide please contact us on 0345 300 0000. You can see our range of
borrowing options at www.lloydsbank.com/borrow
You should also consider whether your account type is still right for you.

Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.

 FINANCIAL SERVICES COMPENSATION SCHEME INFORMATION SHEET

Basic information about the protection of your eligible deposits

1
Eligible deposits in Lloyds Bank plc are The Financial Services Compensation Scheme ("FSCS")
protected by:

Limit of protection: £85,000 per depositor per bank 2 . The following trading names are part of your bank: Lloyds Bank, Mayfair Private
Banking, Lloyds Bank Private Banking and Scottish Widows Bank. Some savings accounts under the Charities Aid
Foundation brand name are also deposits with Lloyds Bank plc.

If you have more eligible deposits at the All your eligible deposits at the same bank are "aggregated" and the total is subject to the limit of £85,000 2
same bank:

If you have a joint account with other The limit of £85,000 applies to each depositor separately 3
person(s):

Reimbursement period in case of bank's 20 working days 4

failure:

Currency of Reimbursement: Pound sterling (GBP, £) or, for branches of UK banks operating in other EEA Member States, the currency of that
State.

To contact Lloyds Bank plc: You can visit one of our branches, call us, go online or write to us at: 25 Gresham Street, London, EC2V 7HN

To contact the FSCS for further information Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU
on compensation: Tel: 0800 678 1100 or 020 7741 4100 Email: [email protected]

More information: http://www.fscs.org.uk

Additional Information
1
Scheme responsible for the protection of your eligible deposit. Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your
bank should occur, your eligible deposits would be repaid up to £85,000 by the Deposit Guarantee Scheme.
2
General limit of protection - If a covered deposit is unavailable because a bank is unable to meet its financial obligations, depositors are repaid by a Deposit
Guarantee Scheme. This repayment covers a maximum of £85,000 per bank. This means that all eligible deposits at the same bank are added up in order to determine
the coverage level. If, for instance a depositor holds a savings account with £80,000 and a current account with £20,000, he or she will only be repaid £85,000.
This method will also be applied if a bank operates under different trading names. Lloyds Bank plc also trades under those trading names detailed above. This means
that all eligible deposits with one or more of these trading names are in total covered up to £85,000.
In some cases eligible deposits which are categorised as "temporary high balances" are protected above £85,000 for six months after the amount has been credited or
from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including:
a. Certain transactions relating to the depositor's current or prospective only or main residence or dwelling;
b. A death, or the depositor's marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity;
c. The payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction.
More information can be obtained under http://www.fscs.org.uk
3
Limit of protection for joint accounts - In the case of joint accounts, the limit of £85,000 applies to each depositor. However, eligible deposits in an account to
which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated
and treated as if made by a single depositor for the purpose of calculating the limit of £85,000.
4
Reimbursement - The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme 10th Floor, Beaufort House, 15 St Botolph Street,
London, EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, Email [email protected] It will repay your eligible deposits (up to £85,000) within 20 working days until 31
December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7
working days from 1 January 2024 onwards, save where specific exceptions apply.
Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to
an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or
operating costs (in the case of a depositor which is not an individual or a large company) within 5 working days of a request.
If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a
certain time limit. Further information can be obtained under http:// www.FSCS.org.uk
Other important information - In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated
on the website of the responsible Deposit Guarantee Scheme. Your bank will also inform you of any exclusions from protection which may apply. If deposits are eligible,
the bank shall also confirm this on the statement of account.

FINANCIAL SERVICES COMPENSATION SCHEME EXCLUSIONS LIST

A deposit is excluded from protection if:

1. The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact
your bank.
2. The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering.
3. It is a deposit made by a depositor which is one of the following: credit institution, financial institution, investment firm, insurance undertaking, reinsurance
1
undertaking, collective investment undertaking, pension or retirement fund , public authority, other than a small local authority.
For further information about exclusions, refer to the FSCS website at www.FSCS.org.uk
1
Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized
enterprises are not excluded.
 Statement of Fees

MISS Z QAYYUM
55 ORTON ROAD
LEICESTER
LEICESTERSHIRE
LE4 2AT

Account provider Lloyds Bank plc

Write to us at Box 3 BX1 1LT
Your Branch GEORGE RW NRTHMPTN
Call us on 0345 300 0000
Visit us online www.lloydsbank.com
Account CLASSIC
Account identification Sort Code 30-96-09
Account Number 52142360
IBAN GB76 LOYD 3096 0952 1423 60
BIC LOYDGB21071
Period From 19 November 2019 to 18 November 2020
Date 08 December 2020

• This document provides you with an overview of all the fees for services linked to your payment account
during the period shown above.

• It also informs you about any interest you may have paid or earned during this time.

• Information on individual transactions and account balance can be found on your account statements.

Summary of fees and interest

Total fees paid (total package of services fees and total fees paid) £3.21

Total interest paid £0.00

Total interest earned interest not applicable

Page 6 of 11
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
Detailed statement of fees paid on the account
Service Fee
Number of Number of
Service times the Unit fee times the fee Total
service was charged
was used

General account services

Includes a package of
services consisting of:
Maintaining the account

CLASSIC fee fee not charged

Payments (excluding cards)
Refusing payment due to fee not charged
lack of funds
Direct debit fee not charged
Standing order fee not charged
Sending money within the
UK

Faster payments fee not charged

CHAPS £30.00 £0.00
Foreign currency payments £9.50 £0.00
19/11/2019 to 08/12/2019
Foreign currency payments in fee not charged
euro
09/12/2019 to 18/11/2020
Foreign currency payments £9.50 £0.00
excluding euro
09/12/2019 to 18/11/2020
Sending money outside the
UK

Payments in any currency £9.50 £0.00

19/11/2019 to 08/12/2019
Payments in euro fee not charged
09/12/2019 to 18/11/2020
Payments in any other £9.50 £0.00
currency
09/12/2019 to 18/11/2020
Correspondent Bank Fee £12.00 £0.00
Zone 1 (USA, Canada and
Europe (non-EEA))
Correspondent Bank Fee £20.00 £0.00
Zone 2 (Rest of the World)

Page 7 of 11
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
 Service Fee
Number of Number of
Service times the Unit fee times the fee Total
service was charged
was used
Payments (excluding cards)
Receiving money from
outside the UK

Payments in any currency £2.00 £0.00

equal to or less than £100
19/11/2019 to 08/12/2019
Payments in any currency £7.00 £0.00
over £100
19/11/2019 to 08/12/2019
Payments in euro from within fee not charged
the UK or EEA
09/12/2019 to 18/11/2020
Payments in any other £2.00 £0.00
currency equal to or less than
£100
09/12/2019 to 18/11/2020
Payments in any other £7.00 £0.00
currency over £100
09/12/2019 to 18/11/2020
Payment received via SEPA fee not charged
Credit Transfers
Cards and cash
Cash withdrawal of pounds fee not charged
in the UK
Cash withdrawal of foreign
currency outside the UK

Foreign currency transaction 2.99% £0.00

fee % of the amount
withdrawn
Foreign currency cash fee for £1.50 £0.00
each withdrawal
19/11/2019 to 12/12/2019
Withdrawal in euro within the fee not charged
EEA
13/12/2019 to 18/11/2020
Withdrawal in any currency £1.50 £0.00
(excluding euro within the
EEA)
13/12/2019 to 18/11/2020
Debit Card payment in fee not charged
pounds

Page 8 of 11
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
 Service Fee
Number of Number of
Service times the Unit fee times the fee Total
service was charged
was used
Cards and cash
Debit Card payment in a
foreign currency

Foreign currency transaction 1 2.99% 1 £2.71

fee % of the amount paid
Foreign currency purchase 1 £0.50 1 £0.50
fee for each payment
19/11/2019 to 12/12/2019
Payment in euro within the fee not charged
EEA
13/12/2019 to 18/11/2020
Payment in a foreign £0.50 £0.00
currency (excluding euro
within the EEA)
13/12/2019 to 18/11/2020
Overdrafts and related services
Arranged overdraft Daily fee: £0.00
See 'detail of interest paid on 1p for every full £6
the account' section for borrowed (up to
interest charged £1,250)
A further 1p for every
£7 borrowed
(between
£1,250-£2,500)
Then a further 1p for
every £8 borrowed
(over £2,500)

Unarranged overdraft fee not charged

Other services
Cancelling a cheque

Lost/stolen cheque fee not charged

Other cheques fee not charged
Duplicate statement £5.00 £0.00

Total fees paid £3.21

Page 9 of 11
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
Detail of interest paid on the account
Interest rate Interest
Interest paid on arranged overdraft
06/04/2020 - 18/11/2020 39.9% EAR £0.00
Total interest paid £0.00

Detail of interest earned on the account

Interest rate Interest
Service not available
Total interest earned interest not applicable

Additional information

From 27 January 2020, requesting a bankers or international draft, paying in a foreign cheque and
cancelling a cheque are free of charge. Fees charged before this date are not shown in this statement
but you can see them on your monthly statements.
If there has been a change to any fees or interest rates within the statement period the 'Unit fee' or
‘Interest rate’ column will show the most up to date figure. The total columns for fee and interest will state
the amount paid or earned during the statement period.
If you have received money for the loss of any interest due to a bank error and you earn credit interest on
your account, this will be added to your 'interest earned' total. This will mean the total interest earned
figure is higher than the total calculated using the interest rate applied to your account. Please refer to
your statement for a further breakdown.
From 6 April 2020, our charges for arranged overdrafts changed from a daily fee to a daily interest rate.
Your arranged overdraft interest rate and the amount of interest we have charged you will show in the
Detail of interest paid on the account section. Any arranged overdraft fees charged before this date will
show in the Overdraft and related services section.
Information about your statement of fees
This statement of fees gives you an overview of the fees and charges you have paid on your Lloyds
current account during the last 12 months. It also tells you how much interest you may have earned or
paid during that time. You may want to use this information to consider if this account is still right for you.
To help you to decide, you can view and compare our other products online. You can also see the results
from an independent survey carried out every 6 months. Customers of each of the 16 largest personal
current account providers are asked if they would recommend their provider to friends and family. The
results can be viewed at lloydsbank.com/current-accounts/survey-results.asp
If you decide to switch to a different current account, the Current Account Switch Service (CASS) offers a
secure way to switch accounts in 7 days.

Page 10 of 11
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.
 Additional information (continued)

How can we help you?

No matter what current account you have, we have several features to help you manage your money.
You can access Internet and mobile banking 24 hours a day 7 days a week. By making use of internet
banking you can track your money, make payments and transfers and see your statements. We can also
send you mobile alerts. Alerts help you manage your money and avoid charges. They remind you when
you need to pay cleared funds into your account. They can also help you avoid going into an unarranged
overdraft. Unless you’ve opted out, you’ll automatically receive alerts provided we have an up to date
mobile number for you. To find out more information visit
www.lloydsbank.com/banking-with-us/free-text-alerts.asp
You may have heard of Open Banking. Through Open Banking it is now possible to see all of your
accounts in one place. It works with internet or mobile banking. If you have accounts with more than one
bank, this could help make it easier to manage your money.

Page 11 of 11
Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN.