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Am i eligible to get a account in another bank?

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hi, please help me , i need help.

My name is harvi and I'm a student in UK. In may 2010,i was looking for part time job and I saw advert in gumtree. I applied for a job. They send me email saying it is an international company which has properties across UK, and they need someone to receive cheques and clear the money, and send it to them. I agreed because it seemed OK to me. But I didn't know about these scams before. And after a couple of weeks I received the cheque and went straight to lloyds tsb. I gave them cheque and they told me it takes from 3 to 7 days to clear. And when I came to the branch and asked them about transfer, they told me that my account got closed with all my money. But I didn’t transfer any money to the cheaters. So now my question is , is am I eligible to open an account in the other bank and how it is going to affect my credit history
:(

Comments

  • Mankysteve
    Mankysteve Posts: 4,257 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Why exactly was your original bank account closed for?
  • harvi
    harvi Posts: 5 Forumite
    they didn't told me anything... just said me that my account is closed...
  • scottishblondie
    scottishblondie Posts: 2,495 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You should really look into why Lloyds closed your account. If they suspected money laundering etc it could make it difficult to get another account. Also did you still have money (of your own) in the account? If so you should make an effort to get it back. Or did you have any overdraft? If this is the case then you definitely need more info from Lloyds, as an unpaid OD on a closed account will definitely impact on your credit history.

    In short - get more info about why they closed the account before you proceed.
  • harvi
    harvi Posts: 5 Forumite
    i think it is the cheque which i got from the scammers. but i didn't transfer any amount even if the cheque not got cleared after 6 or 7 days.
  • harvi
    harvi Posts: 5 Forumite
    please suggest any service or agency to whom i can report this.
  • Mankysteve
    Mankysteve Posts: 4,257 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Go ask Loyds. WHy didnt you do that in the first place. I would suspect that it nowt to do with the cheque and just that you didn't deposit anything in the account in time so they closed it.
  • harvi
    harvi Posts: 5 Forumite
    actually i went to deposit money but cashier said that your account is closed.
  • Mankysteve
    Mankysteve Posts: 4,257 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You need to ask the bank why they closed you account.
  • melancholly
    melancholly Posts: 7,457 Forumite
    1,000 Posts Combo Breaker
    harvi wrote: »
    please suggest any service or agency to whom i can report this.
    before you can report this to anyone, you need to know what's happened - speak to the bank asap
    :happyhear
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