I tried to send money to the Phils with from my Lloyds TSB account, I was charged 50 pounds and the money somehow did not reach the Phils but was returned to my TSB account with all the charges taken off of course. I can't do much about it here since I am on a ship but they said it was within their right to charge me for a failed transaction, great isn't it, paying for a service that you don't get!
