So today, amongst shopping trips, I went to the hole in the wall to try and use my other cash card, not debit-worthy. I checked my PIN beforehand and put it in. I entered my PIN and it said "This PIN has been blocked". Hoo-flipping-ray, it was just after the banks close for the day when I discovered this, so tomorrow, before we go and get Freya I have to go to Lloyd's Bank and try to be assertive