hi Ate Pen,

sorry to hear about what happened.. when I had my holiday in Pinas last March, Ive also had a problem with my Lloyds TSb debit card..Before I leave here, Hubby make sure with Lloyds that my card will be ok in the Philippines and they keep on saying yes of course..

But when I tried it in one of the machines there, it says Unauthorized Transactions it is really embarrassing when u have to fall in the line and then when it is ur turn u cant get anything..

To make the story short, my hubby called Lloyds, and advised me to ring them back and give them some of the infos they need for them to make sure that I am the real one, they are just being careful with some fraudsters luckily my calls were charge to them..