Bank closed account - no reason given!

clb776

Had a letter today regarding my complaint from Barclays....


'sorry you had to contact us about closing your accounts, which was made as a result of completing a routine review.'

'having investigated this matter, I can confirm that your accounts no longer meet our criteria and the decision to close them is correct. I am therefore unable to uphold your complaint.

I appreciate this is unlikely to be the outcome you wanted. (info about ombusdman). Please be aware that we will not enter into further correspondence on this matter, however we will co operate fully with the FOS if you choose to pursue your complaint with them.'

Oh right. So I cannot further argue unless I go to the ombudsman?? My complaint was-why has my account been closed like this?' I don't think that this fully answers that???

Grrrrr!

jalexa

clb776 wrote: »

I think if they do think I have committed fraud they are ridiculous for letting me take the money out?

On the basis off all that has been said I do not think that fraud (or money laundering) is suspected. In an earlier post you said this "This letter states that 'following a review of your accounts, the decision has been taken to close your Barclays products listed above, in accordance with our terms and conditions'. The bank have told me I no longer meet the criteria".

The red part (which seems to be outside of the letter) is key. Given that you seem to have had a Basic bank account I remain unconvinced that there are "criterion grounds" for closing a properly conducted Basic bank account.

Tactically you can play Barclays off against the Ombudsman. Barclays must make a 'final response' within 8 weeks, the Ombudsman only takes over after 8 weeks and may take 12 months to adjudicate:(.

It is imperative to ask Barclays "which clause" and specifically in the compliant make the point about "no longer meeting the criteria" (for a Basic bank account).

Then it is imperative to ensure the Ombudsman case file is updated to test that specific issue, as well as the immediate suspension of the card within a notice period to 9 April and the unhelpful contact with the branch adviser.

jalexa

clb776 wrote: »

Had a letter today regarding my complaint from Barclays....

That crossed with my last post.

You are now free to refer the issue to the Ombudsman. You need to clarify with the Finacial Ombudsman Service that there is an open case and that you have a case reference number. The Ombudsman will want a copy of the "final response" letter.

If you have not set down your concerns you need to update your case file with the concerns. I suggest you keep a narrow focus on a few points (such as I suggested in my last post).

Good luck.