Quick but important question

miserablemum

Hi,

I have another post going about my problems and cancelled my direct debts to my credit cards to beable to have enough to pay my mortage etc.

I have just been to the petrol station and my card was declined, this is my bank account and different company to my credit cards.

I went to the cash point and was told to go in branch.

I went home and logged online and have just over £1000 in credit plus £1000 unused overdraft.

I phoned customer services and she said a block has been put on my account and I need to go in branch with two forms of ID.

I have no money ! Little food and not enough petrol to get to a branch, I live in the middle of nowhere !

Could th credit card companied have put a block on ? I have had no letters from them and only cancelled the direct debits on the 9th July !

Please help, how or who could have blocked my account !??

welshmoneylover

miserablemum wrote: »

Hi,

I have another post going about my problems and cancelled my direct debts to my credit cards to beable to have enough to pay my mortage etc.

I have just been to the petrol station and my card was declined, this is my bank account and different company to my credit cards.

I went to the cash point and was told to go in branch.

I went home and logged online and have just over £1000 in credit plus £1000 unused overdraft.

I phoned customer services and she said a block has been put on my account and I need to go in branch with two forms of ID.

I have no money ! Little food and not enough petrol to get to a branch, I live in the middle of nowhere !

Could th credit card companied have put a block on ? I have had no letters from them and only cancelled the direct debits on the 9th July !

Please help, how or who could have blocked my account !??

I think the only people who can answer this with 100% certainty is your bank, have you popped into your local branch for an answer?

Jon_B_2

At nearly midnight?! 24 hour branches, that'd be nice!

welshmoneylover

Jon_B wrote: »

At nearly midnight?! 24 hour branches, that'd be nice!

If it were me I'd have been in a lot sooner!

Hope the OP gets it sorted out!

stebiz

welshmoneylover wrote: »

I think the only people who can answer this with 100% certainty is your bank, have you popped into your local branch for an answer?

I would phone and ask to speak to the manager. Say you can sort out any security questions over the phone, or scan ID and send by email, but this is urgent. You have little or no money, and can't get to the branch.

judy2357

I would imagine that its nothing to do with your credit cards and that the bank are just safeguarding your account for some reason. For instance this happened to me at one time when I tried to buy something online and have it delivered to a different address. Have you tried to use your bank card in the last couple of days?

climbintheladderouttadebt

Hi MM,

Am a subscriber to your original post and couldn't just read this and run! Hope you have had some joy in sorting it today? Please let us know how you've got on? Could only really suggest calling your bank and explaining the situation. I agree with Judy, that perhaps this is nothing to do with your credit cards but a security problem on the account? Although having said that, if that's the case, I do wonder why they haven't tried to call you?

Obviously you couldn't get to a branch late at night, or with no petrol! I hope you've found a solution today. Best of luck!

td_007

miserablemum wrote: »

Could th credit card companied have put a block on ? I have had no letters from them and only cancelled the direct debits on the 9th July !

Please help, how or who could have blocked my account !??

It is most probably your bank's fraud prevention thing kicking in to block the card. If your bank does faster payments and you have another bank a/c with atm card then you could do an online transfer to the second a/c and use the atm card to withdraw money.

judy2357

Just out of curiousity why did the bank put a block on your account?

surrey_jim

Not sure if you are aware of it but the Payment Services Directive 2009 states the following

In what circumstances the payment service provider would be able to stop or block the payment instrument. These are limited to reasons
related to:
• the security of the payment instrument;
• the suspected unauthorised or fraudulent use of the payment instrument; and
• where the payment instrument has a credit line (for example, a credit limit on a credit card), a significantly increased risk that the
payer may be unable to fulfil their ability to pay.
Payment service providers may wish to include wording advising that the payment instrument might be blocked or stopped due to

national or Community legal obligations of the payment service provider.

http://www.fsa.gov.uk/pubs/other/PSD_approach.pdf

In short if they want to stop the account they must let you know at the earliest oppertunity (this being on phone)/have a valid security reason for doing so. Failure to meet this will be in contrary to the directive leaving them open to the FSA.

Tazzers2010

I know this reply is a few months after the most recent but felt that I had to add my '2 bits worth'!

I receive CTC and child benefit which go into my bank account on a weekly basis (as well as my monthly salary). I was most surprised, shocked and majorly upset when I went to buy groceries one Saturday to find that a block had been put on my account :eek: - this was my banks way of forcing me to catch up on a late payment on their credit card (credit of £500) which I was trying to get rid of. I was unable to access any funds until Monday morning at around 10 am and this was only to initially receive £50. It meant that my husband and children were at home with no electric until I was able to get this sorted (electric is by way of a payment meter - its no bad thing really).

The upshot was I had to take out another loan to clear my existing loan and incorporate the credit card payment. I didn't think banks could morally do this in terms of locking up a person's benefits and leave them feeling like they were begging! :mad: