The terms on the credit agreement state that they can take money from any Lloyds account but it also states that they have to give you 7 days notice before they do it. I have had letters from Lloyds to tell me that they have already taken money. I advised Lloyds that they have breeched the agreement. This continued to happen on 6 consecutive months and they will not listen. I am taking them to the financial Onbudsman now.