If you got lloyds message service – debit posted in an email then its a virus.  This .zip is malware verified by VirusTotal.com

Subject: You have received a new debit
This is an automatically generated email by the Lloyds TSB PLC
LloydsLink online payments Service to inform you that you have
receive a NEW Payment.
The details of the payment are attached.
This e-mail (including any attachments) is private and confidential
and may contain privileged material. If you have received this
Scan From VirusTotal:
|
Antivirus |
Result |
Update |
|
Ad-Aware |
20131211 |
|
|
Agnitum |
20131217 |
|
|
AhnLab-V3 |
Trojan/Win32.Dapato |
20131218 |
|
AntiVir |
20131218 |
|
|
Antiy-AVL |
20131218 |
|
|
Avast |
Win32:Malware-gen |
20131218 |
|
AVG |
20131218 |
|
|
Baidu-International |
20131213 |
|
|
BitDefender |
20131211 |
|
|
Bkav |
20131218 |
|
|
ByteHero |
20130613 |
|
|
CAT-QuickHeal |
20131218 |
|
|
ClamAV |
20131218 |
|
|
CMC |
20131217 |
|
|
Commtouch |
W32/Trojan.CIRP-9141 |
20131218 |
|
Comodo |
20131218 |
|
|
DrWeb |
20131218 |
|
|
Emsisoft |
20131218 |
|
|
ESET-NOD32 |
Win32/TrojanDownloader.Waski.A |
20131218 |
|
F-Prot |
W32/Trojan3.GVD |
20131218 |
|
F-Secure |
Trojan.Agent.BBBY |
20131218 |
|
Fortinet |
20131218 |
|
|
GData |
Trojan.Agent.BBBY |
20131218 |
|
Ikarus |
Trojan-Spy.Agent |
20131218 |
|
Jiangmin |
20131218 |
|
|
K7AntiVirus |
20131218 |
|
|
K7GW |
20131218 |
|
|
Kaspersky |
Trojan.Win32.Bublik.boha |
20131218 |
|
Kingsoft |
20130829 |
|
|
Malwarebytes |
Trojan.Agent.RV |
20131218 |
|
McAfee |
20131218 |
|
|
McAfee-GW-Edition |
20131218 |
|
|
Microsoft |
20131218 |
|
|
MicroWorld-eScan |
20131218 |
|
|
NANO-Antivirus |
20131218 |
|
|
Norman |
20131218 |
|
|
nProtect |
20131218 |
|
|
Panda |
20131218 |
|
|
Rising |
PE:Malware.FakePDF@CV!1.9E18 |
20131218 |
|
Sophos |
Troj/Zbot-HEQ |
20131218 |
|
SUPERAntiSpyware |
20131218 |
|
|
Symantec |
20131218 |
|
|
TheHacker |
20131217 |
|
|
TotalDefense |
20131217 |
|
|
TrendMicro |
20131218 |
|
|
TrendMicro-HouseCall |
TROJ_GEN.F47V1218 |
20131218 |
|
VBA32 |
20131218 |
|
|
VIPRE |
20131218 |
|
|
ViRobot |
20131218 |