Via home banking systems, we sent a SWIFT payment from Deutsche Bank to the Lloyds Group in November 2017, which, for reasons unknown to us, has never arrived. On three separate occasions, the originating bank has initiated a process with the SWIFT systems to return the payment, which, and perhaps not surprisingly, has not succeeded as the position in the receiving bank is that it has never received the funds, yet alone be in a position to return them. Subsequently, and this is the very disappointing and frustrating part, the originating bank has supplied us with documentation for the transaction including list of their outgoing transactions on the date of the payment request and transaction details from EBA Clearing, instructing us that we should investigate and follow up. Something that is extremely difficult to do, having now dedicated many hours to the task, as EBA clearing will not talk with private individuals for a single transaction, and the simply bank maintains that it has no sight of the transaction and therefore no information to go on. Four months later we are in a situation where both the originating and receiving bank are unable to locate the payment and with both essentially telling us to talk to the other. After a massive amount of communication and meetings with Deutsche Bank, it is clear that its approach approach is to wash its wash hands of the problem and that it accepts no responsibility to locate the funds or to solicit a solution with the other transacting parties involved. As such, this particular payment has disappeared to a black hole that neither bank is either capable or prepared to take on board to resolve. As a customer, seemingly there is nothing we can do.