Card Fraud Refund
"Interesting when you say quickly what time frame are we talking about? I have been told it is 3 month minimum and it is now almost 4 months since the fraud happened with no sign of refund. "
Seem to recall about a month. Certainly not 3 months.
I agree Lloyds' Visa service could be better. Perhaps the ideal situation would be to bank with Lloyds, and hold a credit card with one of the larger banks (but NOT HSBC!!!!!)