Access to account suspended

Bollotron

Nationwide have suspended access to one of my current accounts as a payment was made into the account by a "fraudulent/Unauthorised" account. I have no idea where the money has come from and have told them as such. I cannot access my account until they have investigated this further, although I am told that my direct debits and standing orders will continue. Is there anything I can do about this? I am the innocent party in this, but have been accused of nothing short of money laundering. How long can they keep me from accessing my account?

Help please! :mad:

chanz4

how much we talking, and how paid in?

John1993_2

Bollotron wrote: »

I am the innocent party in this, but have been accused of nothing short of money laundering.

I find that very hard to believe. If you have indeed been accused of it then the staff member is guilty of "tippping off", and can go to prison.

Bollotron

chanz4 - The sum total that was paid into my account was £60

CRISPIANNE3

Bollotron wrote: »

Nationwide have suspended access to one of my current accounts as a payment was made into the account by a "fraudulent/Unauthorised" account. I have no idea where the money has come from and have told them as such. I cannot access my account until they have investigated this further, although I am told that my direct debits and standing orders will continue. Is there anything I can do about this? I am the innocent party in this, but have been accused of nothing short of money laundering. How long can they keep me from accessing my account?

Help please! :mad:

I'm surprised they account was suspended bearing in mind the sum involved. I am with Cahoot and use this as a secondary account and last year £50,000 plus was paid into my account by a fraudster. However my account was not suspended and while an investigation was underway I could continue to use my account.

Perhaps its a question of the banks knowing their customers and going by their track record.

Bollotron

John1993 wrote: »

I find that very hard to believe. If you have indeed been accused of it then the staff member is guilty of "tippping off", and can go to prison.

I just meant that it was implied when I queried why someone would pay money into my account that I had no knowledge of!

Bollotron

CRISPIANNE3 wrote: »

I'm surprised they account was suspended bearing in mind the sum involved. I am with Cahoot and use this as a secondary account and last year £50,000 plus was paid into my account by a fraudster. However my account was not suspended and while an investigation was underway I could continue to use my account.

Perhaps its a question of the banks knowing their customers and going by their track record.

They have said that my direct debits will continue, but I cannot access the account. I have never been in my overdraft and I have several other accounts with them that I have had for well over 10 years. Other then keep on at them, is there anything else I can do please?

CRISPIANNE3

Bollotron wrote: »

They have said that my direct debits will continue, but I cannot access the account. I have never been in my overdraft and I have several other accounts with them that I have had for well over 10 years. Other then keep on at them, is there anything else I can do please?

I'm also with Nationwide and have about 4 accounts with them and so far no issues.

There is nothing you can do other than find out from them how long they envisage the investigation will take.

What happened to me was a fraudster hacked into other Cahoot accounts and deposited his/her ill gotten gains into my account in the hope the money could be transferred out quickly.

bengal-stripe

Bollotron wrote: »

The sum total that was paid into my account was £60

Did the money come from Nigeria?

pqrdef

The obvious assumption is that whoever paid the money in had plans for getting it out again. Meaning, your account is compromised. That's why they used it. So you don't really want it back, you want another one.

They probably won't give you one because they won't be convinced that you aren't involved, or at least negligent. Otherwise, they could have given you a new account already.

Try to open an account somewhere else while you still can, if it's not too late already.

Bollotron

Thank you for your responses. Following a very long conversation at lunchtime, they have realised that I am unlikely to have tried to acquire such a sum of money fraudulently and have allowed me to access my account. It seems that the money was transferred in error, although reported as being de-frauded.

Thank you all for your help.