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  • FIRST POST
    MrsPitcher2b
    Can my bank close my account without telling me??
    • #1
    • 14th Nov 08, 8:26 AM
    Can my bank close my account without telling me?? 14th Nov 08 at 8:26 AM
    Hello all,

    A few months ago i switched bank from barclays to another, i still wanted to keep the barclays one open though just in case!

    About a month agho i got a letter from my new bank saying the switch is complete and if i wanted them to close my old account all i had to do was sign the bit of paper they provided and send it back to them. I DIDNT DO THAT!

    I wanted to keep it open so i left it, a few weeks ago i got a letter from baerclays sayign that under blah blah terms of the banks agreement they can ask me for my money to clear the overdraft at any time (it was about 15 in the minus because of a failed direct debit which didnt transfer when i switched accounts) I just thought they was asking for this as i dont have an overdraft facility and they were just clearing up their accounts with the current economic state etc.

    Today i went to a cash machine and checked my balance, to see if money i have transfered from paypal had cleared - When i typed in my pin code the machine said 'Request rejected by your card provider' or something like that.

    I havent had a letter from barclays to say my aco!!!! is closed, nor did i ask for it to be closed, can they close it without my permission?

    What will happen to my paypal money.?!
    BCT:£16,500 £0 HFC CURRYS: £520 £0 HFC PC WORLD: £800 £0 ARGOS CARD: £795 £0 ADDITIONS DIRECT: £625 £0 NATIONWIDE CC: £1560 £0 VIRGIN CC: £1500 £0
Page 1
    • richard9991
    • By richard9991 14th Nov 08, 8:51 AM
    • 1,599 Posts
    • 863 Thanks
    richard9991
    • #2
    • 14th Nov 08, 8:51 AM
    • #2
    • 14th Nov 08, 8:51 AM
    they have prob blocked your card because of unauthorised borrowing ie bounced dd
    • Heng Leng
    • By Heng Leng 14th Nov 08, 9:19 AM
    • 3,198 Posts
    • 958 Thanks
    Heng Leng
    • #3
    • 14th Nov 08, 9:19 AM
    • #3
    • 14th Nov 08, 9:19 AM
    They can close it, as you can when they want - they normally give 30 days notice.
    The message on the machine suggests you card (and possibly account) have been closed.

    Why don't you move your paypal money into your new account, and sort it out without loosing any money?

    Hello all,

    A few months ago i switched bank from barclays to another, i still wanted to keep the barclays one open though just in case!

    About a month agho i got a letter from my new bank saying the switch is complete and if i wanted them to close my old account all i had to do was sign the bit of paper they provided and send it back to them. I DIDNT DO THAT!

    I wanted to keep it open so i left it, a few weeks ago i got a letter from baerclays sayign that under blah blah terms of the banks agreement they can ask me for my money to clear the overdraft at any time (it was about 15 in the minus because of a failed direct debit which didnt transfer when i switched accounts) I just thought they was asking for this as i dont have an overdraft facility and they were just clearing up their accounts with the current economic state etc.

    Today i went to a cash machine and checked my balance, to see if money i have transfered from paypal had cleared - When i typed in my pin code the machine said 'Request rejected by your card provider' or something like that.

    I havent had a letter from barclays to say my aco!!!! is closed, nor did i ask for it to be closed, can they close it without my permission?

    What will happen to my paypal money.?!
    Originally posted by MrsPitcher2b
  • MrsPitcher2b
    • #4
    • 14th Nov 08, 11:20 AM
    • #4
    • 14th Nov 08, 11:20 AM
    The problem is i have already transfered the money from paypal to my account. i didnt know it was shut/may be shut - what will happen to that money? Will it come back to my paypal account?
    BCT:£16,500 £0 HFC CURRYS: £520 £0 HFC PC WORLD: £800 £0 ARGOS CARD: £795 £0 ADDITIONS DIRECT: £625 £0 NATIONWIDE CC: £1560 £0 VIRGIN CC: £1500 £0
  • sutton111
    • #5
    • 14th Nov 08, 11:24 AM
    • #5
    • 14th Nov 08, 11:24 AM
    have you rang Barclays and checked if it is closed? you can retervie money from a closed account, my parents got money back after closing there co-op account after argos did a refund.
  • MrsPitcher2b
    • #6
    • 14th Nov 08, 1:11 PM
    • #6
    • 14th Nov 08, 1:11 PM
    I have just rang barclays, and the account isnt shut but my branch has put a mark on the card, so i cant use it - but they wont tell me why unless i go down to the bank with ID

    Considering i now live over an hour away from the branch i opened the account with and work 5 days a week 8 til 6 i seriously doubt i can do that - but they wont put me through to the branch as it is against policy.
    BCT:£16,500 £0 HFC CURRYS: £520 £0 HFC PC WORLD: £800 £0 ARGOS CARD: £795 £0 ADDITIONS DIRECT: £625 £0 NATIONWIDE CC: £1560 £0 VIRGIN CC: £1500 £0
    • DCFC79
    • By DCFC79 14th Nov 08, 1:13 PM
    • 26,979 Posts
    • 17,133 Thanks
    DCFC79
    • #7
    • 14th Nov 08, 1:13 PM
    • #7
    • 14th Nov 08, 1:13 PM
    Only way i can see you sorting it out is to leave work a bit early and go to the bank
    • TotallyBroke
    • By TotallyBroke 14th Nov 08, 1:14 PM
    • 1,493 Posts
    • 982 Thanks
    TotallyBroke
    • #8
    • 14th Nov 08, 1:14 PM
    • #8
    • 14th Nov 08, 1:14 PM
    You should be able to go to any Barclays branch not just the one that you opened the account with. Most are open until 12 on Saturdays. One in West London is open until 5.30 on a saturday. Try ringing up and asking for opening times in your area.
  • MrsPitcher2b
    • #9
    • 14th Nov 08, 1:14 PM
    • #9
    • 14th Nov 08, 1:14 PM
    Now i know why i left barclays in the first place!!!!!

    I now have to take time off work to go and sort out something that no one can even tell me what it is!!!
    BCT:£16,500 £0 HFC CURRYS: £520 £0 HFC PC WORLD: £800 £0 ARGOS CARD: £795 £0 ADDITIONS DIRECT: £625 £0 NATIONWIDE CC: £1560 £0 VIRGIN CC: £1500 £0
  • Crap_with_money.com
    Could you maybe write to them? Or ask them to put it in writing to you?

    I think with some accounts you have to have a certain amount of money going into your account every month in order to keep it open - that was defo the case when my bro went travelling, as he added me as a second person on the account so I could transfer money every month for him.

    xx
    • olly300
    • By olly300 14th Nov 08, 6:56 PM
    • 14,315 Posts
    • 13,632 Thanks
    olly300
    Could you maybe write to them? Or ask them to put it in writing to you?
    Originally posted by Crap_with_money.com
    I agree with you. Put it in writing and send it via recorded delivery so they can't claim to have lost it. You can go to the post office on Saturday and do this.
  • abbynelson28
    Yes as a banker barclays have right to close your account that too with prior notice. For your card they must have blocked it. try sorting out issue with the help of your attorney.

    ----------------------------------
    Abby Nelson
    merchant services
    Last edited by abbynelson28; 06-12-2008 at 6:46 PM.
    • robin banks
    • By robin banks 2nd Dec 08, 4:33 PM
    • 14,669 Posts
    • 23,811 Thanks
    robin banks
    All accounts can be closed by a bank, the main reason is persistant and unauthorised borrowing, bounced dd's etc.
    "Nobody ever says thank you" Brian Clough #bsfc

    "A more arrogant and self-righteous poster you'd be hard pressed to find "
  • Extant
    Yes as a banker barclays have right to close your account that too with prior notice. For your card they must have blocked it. try sorting out issue with the help of your attorney.
    Originally posted by abbynelson28
    All accounts can be closed by a bank, the main reason is persistant and unauthorised borrowing, bounced dd's etc.
    Originally posted by robin banks
    True. But we don't close accounts without giving notice unless there is "abnormal" behaviour, which amounts to either fraud or smacking our staff about.

    If you're in debt problems, your account will first be referred off to Consumer Finance Debt Management, which is our collections/recoveries department. They then have set processes, but they don't go straight to closing the account - the typical process will be a termination of facilities letter (stopping card, cheque, asking for their return) and then a closure letter after that if the debt still isn't repaid.

    I think with some accounts you have to have a certain amount of money going into your account every month in order to keep it open - that was defo the case when my bro went travelling, as he added me as a second person on the account so I could transfer money every month for him.
    Originally posted by Crap_with_money.com
    None of the Barclays current accounts require a minimum monthly credit.

    I now have to take time off work to go and sort out something that no one can even tell me what it is!!!
    Originally posted by MrsPitcher2b
    Retail bank customer relations, 0800 282390. Call them and explain the situation.

    You should be able to go to any Barclays branch not just the one that you opened the account with. Most are open until 12 on Saturdays. One in West London is open until 5.30 on a saturday. Try ringing up and asking for opening times in your area.
    Originally posted by TotallyBroke
    Considering i now live over an hour away from the branch i opened the account with and work 5 days a week 8 til 6 i seriously doubt i can do that - but they wont put me through to the branch as it is against policy.
    Originally posted by MrsPitcher2b
    True, you can go to any branch. They all have access to the same information.

    Branch locator, including opening times: http://www.multimap.com/clients/places.cgi?client=barclays

    Coincidentally, the branch on Regent Street used to open on a Sunday. Don't know if it still does.

    The problem is i have already transfered the money from paypal to my account. i didnt know it was shut/may be shut - what will happen to that money? Will it come back to my paypal account?
    Originally posted by MrsPitcher2b
    For reference, such payments are usually returned to the payee by the same system they arrived.
    What would William Shatner do?
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