So.... as another 3 months passed, I contacted Lloyds again to ask if there was anything I can do
The bank are refunding the money onto my Credit Card and sending the club a Retrospective Indemnity which basically says SWFC owe that refund to the bank now... not me.
I would rather than the club had refunded me ... but its been over a year now since I indicated I wanted a refund , and 9 months since the clubs own deadline