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Caller left a message saying they were calling from LLoyds to tell me someone was using my credit card. It was a Scam as confirmed by LLoyds. The message left sounded very convincing, using the same recording as LLoyds at the beginning, but they didn't have the full name, only the Surname. Also they gave choices of years for my birthday f or me to confirm the correct one......none were even close. Don't be fooled. Call LLoyds directly to check before you return this call.