I got involved with fraud.Now I need some kind of an account

bengal-stripe

maimosto wrote: »

.......Basically they were going to pay me a tiny bit of the money they sent me. I was mean to send most of it to western union to a chariy in Tajikistan.

It's called money-laundering........any bank, even for the most basic account, is obliged by law
to do fraud and anti-money-laundering checks.

But come to think of it............maybe you just made that story up.

AnonymousForObviousReason

Sounds obvious - but have you actually gone into the bank and made an appointment to see a real person? Take copies of the emails you were duped with and go prepared to go into it fully and grovel.

Be prepared to say you'll even accept something really limited until they can trust you - or even one you have to pay a monthly fee for. Maybe someone will take pity on you - especially if no criminal action was taken.

Your problem is they are businesses and are under no obligations to help risky customers, if there is another fraud (or money laundering as pointed out elsewhere) they will be under the spotlight and their actions looked.

BTW: "I need some sort of an account I don't care how " doesn't actually sound that good in the context of the rest of your story.

JuicyJesus

What you were asked to do wasn't fraud, it was money laundering. The money you kept was commission for basically obliterating the trail of where the money came from, which was quite likely sourced from criminal activities, typically drug trafficking, prostitution and sales of counterfeit goods. Suffice to say, this is illegal, and it's also illegal for banks to not do anything about it, hence why NatWest closed your account - and why others are going to be very, very wary of opening you a new one.

Have you got anyone else you know who can receive your wages and give them to you in cash each month? That may be the only option, I'm afraid.

dizzybuff

maimosto wrote: »

I am 19

It was this year. It happened this year. I got an e-mail from a "Canadian company" that wanted to some workers. Basically they were going to pay me a tiny bit of the money they sent me. I was mean to send most of it to western union to a chariy in Tajikistan.

Yeah i know. It sounds supicious. I was to crazy about the money.

So you got involved in money laundering . I would look at a pre paid card ,

maimosto

AnonymousForObviousReason wrote: »

Sounds obvious - but have you actually gone into the bank and made an appointment to see a real person? Take copies of the emails you were duped with and go prepared to go into it fully and grovel.

Be prepared to say you'll even accept something really limited until they can trust you - or even one you have to pay a monthly fee for. Maybe someone will take pity on you - especially if no criminal action was taken.

Your problem is they are businesses and are under no obligations to help risky customers, if there is another fraud they will be under the spotlight and their actions looked.

BTW: "I need some sort of an account I don't care how " doesn't actually sound that good in the context of the rest of your story.

It may not sound good but I do need an account. IN my name. Look up the student finance website. I've already asked if my parents could reicieve my loan. They said no. My only choice is to drop out of a course that was very hard to get in to.

Knowing banks as I do. If I get all of my e-mails it will takes weeks for them to process it. By that time I have to pay for my accomodation fees and course fees.

vaporate

Just try all the bank accounts available.

If no luck then try and get your wages paid in another format.

davidgmmafan

What about a savings account? Some have cards, not a debit card, but you could have payments in at least and draw cash out. This is only if a basic bank account was not an option.

JuicyJesus

There's not really much anyone can suggest short of having your wages paid elsewhere. Even savings accounts could potentially get declined (ID and fraud checks still need to be done, even if not full credit checks).

At the end of the day, you engaged in a criminal activity from which you profited, and now it has come back to bite you. I have little sympathy really.

jonesMUFCforever

I have no sympathy either to be honest but if OP supplies a sort code and account number - his parents - then as long as payment is made by electronic means rather than cheque how will Student loan company know that the account number is not his?

AnonymousForObviousReason

maimosto wrote: »

It may not sound good but I do need an account. IN my name. Look up the student finance website. I've already asked if my parents could reicieve my loan. They said no. My only choice is to drop out of a course that was very hard to get in to.

Knowing banks as I do. If I get all of my e-mails it will takes weeks for them to process it. By that time I have to pay for my accomodation fees and course fees.

You focused on the wrong part of my post. The point of actually speaking to a person in the bank still stands unless you've done that(don't bother with the emails if you don't think it'll help, I was just thinking the initial ones). Try to speak to your university they may be able to help you out but be aware that if you didn't declare this history on your application they may boot you out anyway. Else you may be able to defer and that gives you a year to sort things out.

But sounds like you might be screwed - Of all the forms of wisdom, hindsight is by general consent the least merciful, the most unforgiving.