A close friend had the same problem with Lloyds. Except the full funds to pay for his studies were frozen for 3 months and no apology or explanation was given.

A close friend had the same problem with Lloyds. Except the full funds to pay for his studies were frozen for 3 months and no apology or explanation was given. After 3 months writing letters to customer service, financial ombudsman, etc ... the account was closed, he was given a check and asked not to come back. (And I know first hand that no fraud was committed)