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Lloyds Banking Group has apologised after customers from Lloyds, TSB and Halifax were left unable to use some debit cards and cash machines for a few hours on Sunday Jan 27.

Lloyds is the largest retail bank group in the UK with 30 million customers.

The chief executive of TSB, Paul Pester, said its customers' debit card transactions had been affected after problems with two out of seven IT servers.

In a statement, Lloyds Banking Group said: "We apologise that earlier today, between 3pm and 6pm, some customers were unable to complete their debit card transactions."

In this 90-second summary, some listeners describe their frustration at having their cards rejected, followed by Peter McNamara from the cash machine provider Note Machine on why the problem may have occurred.