Barclays have left me cashless

disgustedvictim

zppp wrote: »

Well they and all financial institutions have a legal obligation to submit anything that looks or is suspicious behaviour, and that applies to financial instituions and approved individuals.

This link will provide you ith the consent process that gives the timescales; SOCA Online Information.

No my sister got sent money as well. Natwest didn't bother her. They didn't even say anything when she paid her rent. So it appears either that natwest is lazy or Barclays is extremely overzealous.

Seeing that I haven't done anything wrong. I'm going with the latter.
Needless to say. I don't like being treated like a criminal. I don't care if some idiot out there is smuggling drug money for the Colombian !!!!!. Going after criminals doesn't give anybody the right to go after innocent people.

I've work at heathrow airport as a security guard. We were always on a constant watch for terrorists. Yet we never treated innocent people like this.

oh and that link didn't work.

And the bank obviously know your clean criminal record don't they ^_-

They can phone the police. It has happened to me several times. I get stopped and searched. The officer phones calls on his radio to check my record. Nothing comes up. They apologies and let me go on with my business.

daniel598

disgustedvictim wrote: »

So basically I'm being treated like a criminal. Well it looks like as soon has this saga is over. I won't be banking with Barclays. This is the straw that has broken the camels back for me.

You need to look at this from barclays side as well. £700 turning up out of the blue from overseas. I know it frustrating but no matter who you bank with this would have been the case. If banks fail to report it they face fines prosecution and the staff that have failed to spot it or cleared it without reporting could be given a jail sentence. So unfortunately patience is the key.

WhiteHorse

It would appear that the overseas connection is the reason that your account has been suspended. Some countries do attract more attention than others, and rightly so. What country are we talking about?

That said, an overseas connection is not in itself sufficient reason to suspend an account. If it was, half the accounts in Britain would be suspended at any one time. The chances are that it's some jobsworth trying to make a name for themselves.

Barclays have lied to you. Whether that was deliberate or it's just jobsworths trying to bullsh*t you, is another matter.

You have several grounds for complaint. If they take much longer to reach a negative conclusion, you can claim compensation. They have no right to freeze your money (you have not the use of it, so it is effectively taken), without good grounds, nor to hang on to it indefinately.

disgustedvictim

daniel598 wrote: »

You need to look at this from barclays side as well. £700 turning up out of the blue from overseas. I know it frustrating but no matter who you bank with this would have been the case. If banks fail to report it they face fines prosecution and the staff that have failed to spot it or cleared it without reporting could be given a jail sentence. So unfortunately patience is the key.

I got sent £1600 on the same account by the same people in june to pay off my college course. They didn't care then. Why do they care all of the sudden?

Lokolo

disgustedvictim wrote: »

They can phone the police. It has happened to me several times. I get stopped and searched. The officer phones calls on his radio to check my record. Nothing comes up. They apologies and let me go on with my business.

So a bank can just phone the local police station and ask for a criminal record check on a person can they?

Wow. Just. Wow.

zppp

disgustedvictim wrote: »

No my sister got sent money as well. Natwest didn't bother her. They didn't even say anything when she paid her rent. So it appears either that natwest is lazy or Barclays is extremely overzealous.

Seeing that I haven't done anything wrong. I'm going with the latter.
Needless to say. I don't like being treated like a criminal. I don't care if some idiot out there is smuggling drug money for the Colombian !!!!!. Going after criminals doesn't give anybody the right to go after innocent people.

I've work at heathrow airport as a security guard. We were always on a constant watch for terrorists. Yet we never treated innocent people like this.

oh and that link didn't work.


They can phone the police. It has happened to me several times. I get stopped and searched. The officer phones calls on his radio to check my record. Nothing comes up. They apologies and let me go on with my business.

Sorry, the link doesn't work I think it has a session ID. Here is the information that is relevant;

Consent / deadlines

Consent
The legislation requires institutions or individuals to ask for permission to carry out a prohibited act if a suspicion has been raised prior to the activity, that there is a suggestion of criminal property in whole or in part attached to the business. The legislation also stipulates the type of permission required which is either 'nominated officer' consent, whereby SOCA will issue consent to the nominated officer only; or 'appropriate consent' where a nominated officer, SOCA, a constable or a customs officer, may issue consent to carry out the prohibited act. To assist the reporters in obtaining a decision from the UKFIU in respect of the activity undertaken on behalf of your client/customer, the Proceeds of Crime Act imposes time limits for giving or withholding consent. NB: Activity does not have to be the physical movement of money or 'transactions'. The activity you are undertaking must fall within s327-329, which can involve concealing, converting, facilitating, arranging, acquiring etc. Deadlines
There are 7 working days from the day after the report was made in which to give or withhold consent and on the 8th day consent is assumed. If consent is withheld, law enforcement has a further 31 calendar days in which to obtain a restraint order and on the 32nd day consent is assumed. The 31 days starts as soon as consent is withheld during the initial moratorium period eg: the total timescale may be 3 + 31 days or 7 + 31 days.

Lokolo

disgustedvictim wrote: »

I got sent £1600 on the same account by the same people in june to pay off my college course. They didn't care then. Why do they care all of the sudden?

A person spends money on someone elses card. The transaction goes through. Woop. The person then does it again as they feel as though they can get away with it.

A pattern emerges and the bank caps onto this and investigates possible fruad.

It's simple when you think about it.

disgustedvictim

WhiteHorse wrote: »

It would appear that the overseas connection is the reason that your account has been suspended.
Some countries do however attract more attention than others, and rightly so. What country are we talking about?

That said, an overseas connection is not in itself sufficient reason to suspend an account. If it was, half the accounts in Britain would be suspended at any one time. The chances are that it's some jobsworth trying to make a name for themselves.

Barclays have lied to you. Whether that was deliberate or it's just jobsworths trying to bullsh*t you, is another matter.

You have several grounds for complaint. If they take much longer to reach a negative conclusion, you can claim compensation. They have no right to freeze your money (you have not the use of it, so it is effectively taken), without good grounds, nor to hang on to it indefinately.

Who do I complain to? The fraud office? Or the number that guy gave me earlier? I want this sorted out asap. I'm not willing to spend the rest of my summer holidays waiting for them to call me to tell me everything is all fine and dandy and make some stupid excuse that doesn't make up for the time i wasted. I'm leaving London soon so I don't want to spend the rest of my time in the city cooped up in my house.

daniel598

Maybe barclays feel this is the second irregular payment from overseas and needs looked at.

zppp

WhiteHorse wrote: »

It would appear that the overseas connection is the reason that your account has been suspended. Some countries do attract more attention than others, and rightly so. What country are we talking about?

That said, an overseas connection is not in itself sufficient reason to suspend an account. If it was, half the accounts in Britain would be suspended at any one time. The chances are that it's some jobsworth trying to make a name for themselves.

Barclays have lied to you. Whether that was deliberate or it's just jobsworths trying to bullsh*t you, is another matter.

You have several grounds for complaint. If they take much longer to reach a negative conclusion, you can claim compensation. They have no right to freeze your money (you have not the use of it, so it is effectively taken), without good grounds, nor to hang on to it indefinately.

Wrong on several counts.

1. SOCA can take funds under the Proceeds of Crime Act 2002 indefinitely.
2. There are no grounds for compensation as the bank hasn't made an error, they have simply reported a transaction.
3. They are legally obligated to freeze funds until the Financial Intelligence Unit have investigated. The timescales are aforementioned.