How to File a Chargeback with Lloyds Banking Group
Everything you need to dispute a transaction with Lloyds Banking Group, including the best method, required documents, and expected timelines.
0345 300 0000
5-10 working days
Online, Phone, App
Step-by-Step Chargeback Process
Contact Lloyds Banking Group via Online or Phone or App
Explain the transaction you want to dispute and the reason
Provide all required documentation (see below)
Lloyds Banking Group will investigate and may issue a provisional credit
Wait for the investigation outcome (typically within the stated timeline)
If your chargeback is rejected, consider Section 75 (credit cards) or the Financial Ombudsman
Required Documents
- Transaction details
- Dispute reason
- Evidence of merchant contact
- Supporting documentation
Tips for Lloyds Banking Group
- •Also covers Halifax, Bank of Scotland, and Scottish Widows cards
- •Online banking has a dispute form under 'Help with a transaction'
Section 75 vs Chargeback
If you paid with a credit card and the transaction was between £100 and £30,000, you may have a stronger claim under Section 75 of the Consumer Credit Act 1974. This makes Lloyds Banking Group jointly liable with the merchant.
Chargeback is useful for debit card purchases or credit card purchases under £100, where Section 75 doesn't apply. You can submit both a Section 75 claim and a chargeback simultaneously.
Frequently Asked Questions
How do I file a chargeback with Lloyds Banking Group?
You can file a chargeback with Lloyds Banking Group via Online, Phone, App. Call 0345 300 0000 to speak to their disputes team.
How long does a Lloyds Banking Group chargeback take?
5-10 working days
What documents do I need for a Lloyds Banking Group chargeback?
Transaction details. Dispute reason. Evidence of merchant contact. Supporting documentation
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