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  • FIRST POST
    • Kodogo
    • By Kodogo 1st Mar 17, 2:48 AM
    • 17Posts
    • 4Thanks
    Kodogo
    Barclays "Suspend"​ My Life, Stranding me in Europe. The Dark Side Of Working Remote
    • #1
    • 1st Mar 17, 2:48 AM
    Barclays "Suspend"​ My Life, Stranding me in Europe. The Dark Side Of Working Remote 1st Mar 17 at 2:48 AM
    In this moment as you’re reading this; I am stranded ‘abroad’. Upon awakening today; I begun each day as I would any other, with a beautiful Chai Latte and catching up on emails and correspondence received during the night. This is one routine that I must adhere to whilst collaborating with a remote team whom at are situated across multiple time zones, I do this daily; without fault or deviation.

    It wasn’t until I attempted to access my mobile banking, that any instance of routine, work or social play was catapulted into oblivion. A message greeted me upon trying to access my financials via the Barclays Banking App. “RG21R - Sorry your access to this account is currently blocked…..” At this point I wasn’t concerned. I had never seen this particular error or security warning; but I had seen others and I assumed it was a security precaution. It’s part of banking life when you work remotely and travel extensively for clients and I had presumed that this instance was no different.

    Before calling the number provided, curiosity led to make a second attempt to log on, this time however via the Barclays Bank online web. On this occasion THE application greeted me with a secondary warning; this time however it had a different reference code “1176” - Again offering a number to contact for a resolution.

    Up until this point; I hadn't considered plausible worst case scenarios and if I had, the reality that awaited me would have been above and beyond my worst nightmare. It is a area that I was concerned little about and this whole situation had been little more than an unproductive and valuable waste of time. Oh man…how wrong and naive I had been.

    Upon contacting the first number offered to me for support and guidance on the issue, I got put through directly to the General Customer Services Team - After passing security checks and providing all relative information I was informed that their department could not help me as my telephone banking had be suspended also…I was advised they could transfer me to another department; but that I could potentially wait up to 20 Mins and I was welcome to call back at a more suitable time.

    Instantly I accepted the option to be transferred and as expected; I was diverted to a new line and placed on hold. Being forewarned about the wait awarded me no position to complain; so patiently I waited. Placing phone on speaker, I sat down to busy myself with elements of my day, that at the time I deemed more important.

    So….Barclays Bank…..“20 Minutes” passed. Nevertheless I continued to wait patiently…whilst might I add paying premium call charges due to roaming and international call. 30 Minutes soon passed. 40….50…..At this point I hung up, having no faith that the other person on the end of that phone, in a ridiculously understaffed support environment and decided to explore the digital route…

    Online Web Support. 2 Hours, 3 phone calls, [inbound this time as I refused to be placed on hold again to pay premium charges] and repeated department transfers….and that chat transcript suddenly became PDF gold. It was a complete shambles and evidently no one knew how to resolve the issue. The people on the corresponding line were deeply sympathetic to my situation but no one could provide any insight or resolution.

    Simply stating that their systems wouldn’t allow them to dig deeper into the account to discover a resolution and that not even the fraud support team had access to the details of the suspension. “Your banking assets have been suspended pending review and we are under no obligation to tell you any further information”. This was the message that was relayed to me. Pointing me to a terms and conditions of banking law.

    So here I am, stuck ‘abroad’, thousands of miles away from anywhere I could survive without money, with no solution, no time line for a resolution and in fact no insight into WHY this is happening. They left me in the dark. I was told it could be 2 days, but the person on the other end of the line sympathetically told me it could be 28 days.

    Further research however led me to google which has an article posted in multiple newspapers saying that one individual lost access to his financial wellbeing for 3 months before they finally closed his account and returned his funds. In fact it would appear that Barclays are infamous for this. As pages upon pages of google search results were littered with Barclays messages. No other bank appeared more.

    So my entire nomadic existence and remote freedom that I work tirelessly to maintain has been ‘FROZEN’. and my fate and wellbeing has been jeopardised by Barclays PLC. Today working remotely took an unfamiliar turn. Maintaining excellent business while working remote and controlling a team is and never will be a straight path. This however is one obstacle I cannot find a way through. Barclays Bank has essentially took control of my life and in doing so my business.

    Barclays are apparently under no obligation to explain their actions to customers. Thanks to the closed review processes, customers like me will often never learn what offence they are supposed to have committed. In this case, Barclays claimed they are required to withhold information by law. But upon speaking to the Financial Ombudsman, this is merely an excuse used by banks to avoid explaining their actions.

    “The bank is behaving as though suspicion is falling on the account holder. It can behave as though it has no duty of care towards this customer because it has none.”
    This highlights the disastrous consequences of a lack of a duty of care in banking, and why we need to legislate for one urgently. They are holding me hostage and have locked down my assets and I there is absolutely nothing I can do to regain control. I am at the mercy of Barclays Bank.

    “The Financial Services and Markets Act says firms should ‘treat customers fairly".
    Shouldn’t the Act be amended to specify what constitutes a ‘reasonable’ duty of care to ensure banks act in the best interests of their customers? My case highlights the disastrous consequences to individuals when they don’t.

    I asked to speak to someone who was actually "reviewing" my account. Oh no, that's not allowed. They are shadowy figures sequestered away in a dimly lit office in Canary Wharf somewhere and no one is allowed to know who they really are. Excuse me for being cynical but I have just spent my entire day fighting a lost cause.

    Among the questions I'd have liked addressed were:
    1. Why in such cases, is the first response not to call, text or email the account owner and verify any potentially suspicious activity instantly with them or at least make them aware there is a problem?
    2. Why do Barclays not provide a true reverse charge number for international cases, such as is provided by all the major credit card companies and many other banks?
    3. Why do Barclays not have somebody available 24/7/365 to deal with international EMERGENCY cases? Tonight I will document myself sleeping rough for I refuse to stay in accommodation that I am uncertain that I can pay; at least not without a timeline I could use to evaluate when a resolution will become available and MY MONEY returned (and it is unlikely I will sleep at all) because no-one was available to deal with the problem.
    4. Why did the Barclays customer service team give, at best, incorrect and at worst deliberately misleading information about the phone contact number when dealing with my case?

    So the lesson I can share with you all today…is that if I one you decide you'd quite like to be treated like a potential fraudster/criminal when attempting attempting to run a business or order a meal, then Barclays bank is the bank for you. If however you don't want to be prevented from spending your own money on essentials like food, transport and shelter then I would suggest not using Barclays bank for your current account. However who knows maybe I can scrape a deal and get my hand on one of their bikes?! At least that would solve my transport woes.

    Oh…on another note…Barclays did ask me if I could report to a local branch!? This was after explaining to 10 different employees at Barclays; that I am stranded in Europe. Yet they think it’s acceptable to ask me to somehow teleport myself into a local branch in the UK - Okay Barclays, I'll hitchhike a plane will I??

    So it appears that I am going to get a whole new perspective of living remote…Let’s hope the weather isn’t too cold….Lets hope it doesn’t take Barclays PLC 28 days to rescue me from the misery they have created.

    I have since learnt that in the majority of cases the account should be free within two weeks. In a minority of cases the account will be frozen for up to about six weeks, perhaps slightly longer - all whilst a bewildered customer suffers in silence.

    To make matters worse for consumers, the new Criminal Finances Bill includes a proposal that would allow a court to extend the ‘moratorium period’ by up to a further six months (an additional 186 days) which would mean that an account could be frozen for up to about 32 weeks without a ‘restraint order’. This is not yet law.] Where a ‘restraint order’ is obtained the account will remain frozen after that.

    “Not all who wander are lost...”
    This is a quote I LIVE by…however in this moment, I am not just LOST, I am CONFUSED, UPSET and somewhat DISILLUSIONED as to how this type of act is legal.

    BARCLAYS - I AM A PERSON, A HUMAN BEING....NO MATTER WHICH ARTICLE OR ACT YOU OPERATE UNDER. You've made me feel like a CRIMINAL WHEN IN FACT I AM A VICTIM.

    So what’s next in the life for this nomad….Your guess is as good as mine as temporarily I am no longer the master of my fate...but hey at least McDonalds has free WIFI...
    Last edited by Kodogo; 01-03-2017 at 2:53 AM.
Page 4
    • Kodogo
    • By Kodogo 3rd Mar 17, 9:24 PM
    • 17 Posts
    • 4 Thanks
    Kodogo
    Two of the figures being the ones after the decimal point, right?
    Originally posted by eskbanker
    Only two? Damn, let's be real it's actually 6.
    • msallen
    • By msallen 4th Mar 17, 6:01 AM
    • 595 Posts
    • 574 Thanks
    msallen
    ... there are many other topics covered on the MSE forums that I could positively advise people on. So I will hang around and return the sincerity that you all have shown me.
    Originally posted by Kodogo
    I'm sure the place will be all the richer for it - in terms of inane and irrelevant flowery prose if not useful knowledge or sensible advice.
    • Robin9
    • By Robin9 4th Mar 17, 7:41 AM
    • 1,939 Posts
    • 1,255 Thanks
    Robin9

    On another note; Barclays are closing the account. So my assets will be going back to Coutts.

    Thanks.
    Originally posted by Kodogo
    I am sure the Coutts rep on this forum cannot wait for your application.
    • meer53
    • By meer53 4th Mar 17, 7:35 PM
    • 8,981 Posts
    • 13,046 Thanks
    meer53
    I need not explain myself; nor feel the need to. Company assets are openly visable online to those who wish to pay to see it. Anyone who wishes to discover I am not lying; can easily do so without my consent or aid.

    Thanks.

    On another note; Barclays are closing the account. So my assets will be going back to Coutts.

    Thanks.
    Originally posted by Kodogo
    You have to open an account with them first. You do realise that banks speak to each other don't you ?
    • uk1
    • By uk1 4th Mar 17, 8:45 PM
    • 996 Posts
    • 647 Thanks
    uk1
    I need not explain myself; nor feel the need to. Company assets are openly visable online to those who wish to pay to see it. Anyone who wishes to discover I am not lying; can easily do so without my consent or aid.

    Thanks.

    On another note; Barclays are closing the account. So my assets will be going back to Coutts.

    Thanks.
    Originally posted by Kodogo
    Sad story.

    What reason has Barclays given for closing the account?
    • meer53
    • By meer53 5th Mar 17, 10:48 AM
    • 8,981 Posts
    • 13,046 Thanks
    meer53
    Sad story.

    What reason has Barclays given for closing the account?
    Originally posted by uk1
    It's unlikely they'll give a reason, they're not obliged to.
    • Kodogo
    • By Kodogo 5th Mar 17, 9:58 PM
    • 17 Posts
    • 4 Thanks
    Kodogo
    You have to open an account with them first. You do realise that banks speak to each other don't you ?
    Originally posted by meer53
    I do know that they "speak" to one another. I'm not concerned.
    Sad story.

    What reason has Barclays given for closing the account?
    Originally posted by uk1
    They didn't.
    It's unlikely they'll give a reason, they're not obliged to.
    Originally posted by meer53
    Exactly this.
    • colsten
    • By colsten 6th Mar 17, 1:12 AM
    • 8,809 Posts
    • 7,497 Thanks
    colsten

    On another note; Barclays are closing the account. So my assets will be going back to Coutts.
    Originally posted by Kodogo
    Out of interest, what had Coutts done to lose your custom? And why, of all banks, did you choose Barclays?
    • lee1johny
    • By lee1johny 25th Mar 17, 11:00 AM
    • 4 Posts
    • 0 Thanks
    lee1johny
    Hi,
    I am in the same situation. On 13th February 2017 I received a amount from a investor ( I am trying to start a restaurant and my brother in law sent me some money ). The money entered my account and the next day I did not had access to my online. I called the bank they said that my account is under review and I need to go to the nearest branch.
    I went to the branch I opened at and they said they requested documents to confirm the money. I explained that it is a investment, I give them documents from my restaurant and they said that once the review department is done I will receive news and that I should return in 5 working days to the branch for updates.
    Since that moment I received the same answer from Barclays Bank, either return in 5 days or 48 hours.
    Does anyone know how long does the review process take to complete?
    How can I speed up this ? Or what can I do to get the money from the account that is currently under review? I even asked them to return it to the sender ( my brother in law ) but i got now answer.
    Also, something that I find strange is that they told me my current balance is 0 until the review process is over. Does anyone know why they toke the money our of my account?
    • lee1johny
    • By lee1johny 25th Mar 17, 11:18 AM
    • 4 Posts
    • 0 Thanks
    lee1johny
    Ok, I understand that but is there something I can do to speed up the transaction? Or close my account and get the money returned to my brother in law?
    Barclays bank gives me the same reply from the 13th of February. Your account is under review we can not tell you anything. I made official complain, online, in the branch and by phone and I got the same response:
    'Your account is under review we can not release any information to you`
    Does anyone know how long the review will take? Today I made 40 days since my account is under review.
    What can I do?
    • bigadaj
    • By bigadaj 25th Mar 17, 1:46 PM
    • 10,804 Posts
    • 7,098 Thanks
    bigadaj
    Ok, I understand that but is there something I can do to speed up the transaction? Or close my account and get the money returned to my brother in law?
    Barclays bank gives me the same reply from the 13th of February. Your account is under review we can not tell you anything. I made official complain, online, in the branch and by phone and I got the same response:
    'Your account is under review we can not release any information to you`
    Does anyone know how long the review will take? Today I made 40 days since my account is under review.
    What can I do?
    Originally posted by lee1johny
    Is this a business account?

    Have you raised a formal complaint, if so they have 8 weeks and then you can go to fos.

    However if this appears as money laundering or similar they will say they have good reason.

    You could always contact your MP.
    • bigadaj
    • By bigadaj 25th Mar 17, 1:47 PM
    • 10,804 Posts
    • 7,098 Thanks
    bigadaj
    This phrase explain the whole story.
    For the OP if believe you are right why do not you complain first to Barclay and then escalate it to FOS if you do not get satisfactory answer ???

    Well the avatar is interesting might explain a character ....
    Originally posted by adindas
    I agree with the op, but nor for the same reasons.

    Just look at the ratio of their compensation to employees in relation to shareholders up to the gfc. A very different topic but a more valid one I believe.
    • adindas
    • By adindas 26th Mar 17, 12:10 PM
    • 3,338 Posts
    • 1,649 Thanks
    adindas
    The moral of the story is, Barclays are Ba**ards and apparently withdrawing large sums of my own money is frowned about.
    ;]
    Originally posted by Kodogo
    This phrase explain the whole story.
    For the OP if you believe you are right why do not you complain to Barclay and then escalate it to FOS if you do not get satisfactory answer ???

    There is a new type of moneymules scam as explained here.
    http://forums.moneysavingexpert.com/showthread.php?t=5623232&highlight=

    The incentive here is that you get the fee for doing almost nothing. The risk here is that, if you get caught all of your account might be cancelled and you might not be able to open an account with any bank anymore.

    It will depend on the scale and how many times the people have been doing that they might end up in jail.

    Well the avatar is interesting might be able to explain a character ....
    Last edited by adindas; 26-03-2017 at 12:13 PM.
    • Jaitosniwal
    • By Jaitosniwal 1st Dec 17, 3:02 PM
    • 1 Posts
    • 0 Thanks
    Jaitosniwal
    Help
    Hi All,

    I am facing the same problem right now. RG21R error from Barclays.

    Can someone guide me in the right direction. Barclays are not being helpful at all.

    Any help/guidance will be highly appreciated.

    Thanks,
    Jai
    • Biggles
    • By Biggles 1st Dec 17, 3:41 PM
    • 7,514 Posts
    • 4,908 Thanks
    Biggles
    Jai, considering the 73 posts in this old thread before your post (the first one of which was unreadably long) it might be best to start a new thread and explain what has actually happened to you.
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