Help and advice needed

vaziii

Hi

This is my first time posting on this forums since i need advice over this situation.

I am 17 years old and used to bank with Barclays about two years ago, then whilst I was on holiday abroad I had my debit card with me but I didnt use it, but I received letters saying I had gone overdrawn at a petrol station even though I had my debit card in my possession. Also for some reason checking my statements there was a bank giro credit paid into my account and withdrawn in Ilford, but I live an hour away from there, leaving me baffled.

I immediately called barclays to block my card as stolen, and they sent me a new card but didn't send any forms about the fraudulent transactions, so I was overdrawn for about £80 which I paid off and then for some reason when I wanted to use my card at the ATM it swallowed it, and thats when I was told by the staff at the branch that the account was closed.

Upon my frustration I asked them why, they wouldn't give me any reason and they said I cannot bank with them anymore (after they had been on the phone to another Barclays staff somewhere) and that it is a serious issue. I complained and received a final response letter stating that my account doesn't meet their criteria and that there were fraudulent funds deposited in my account, but I am held liable for it even though I had my debit card with me at the time??

Now I applied at Santander for a 16-19 account - declined; Natwest for an Adapt account - declined; Halifax - declined, with no reason for their decline, just saying I didn't pass their checks. So now I am being declined from most banks and I can't even get an account! Can you please advise me over this, thanks.

pmduk

There were fraudulent transactions on your account and you ignored them. That may well have lead the bank to consider you either were a participant in or somehow condoned the transaction. Particularly as you covered the cost of it.

I'm not certain of your next step, unfortunately you may find it difficult to get another bank account in the near future. This being MSE I'm sure someone will be along shortly to give more detailed advice on your next step.

vaziii

pmduk wrote: »

There were fraudulent transactions on your account and you ignored them. That may well have lead the bank to consider you either were a participant in or somehow condoned the transaction. Particularly as you covered the cost of it.

I'm not certain of your next step, unfortunately you may find it difficult to get another bank account in the near future. This being MSE I'm sure someone will be along shortly to give more detailed advice on your next step.

I didn't directly pay it off, I had a standing order every month sent to that paid it

opinions4u

Looks like you inadvertently admitted to the fraudulent transactions by repaying them.

vaziii

opinions4u wrote: »

Looks like you inadvertently admitted to the fraudulent transactions by repaying them.

Read the above post. My standing order paid it off, if I had control I would not have.

the_insider

vaziii wrote: »

Read the above post. My standing order paid it off, if I had control I would not have.

You have complete control over a standing order, it's something you set up with your bank to pay another account, you can change or cancel it at any point.

noh

the_insider wrote: »

You have complete control over a standing order, it's something you set up with your bank to pay another account, you can change or cancel it at any point.

You only have control over standing orders you set up to pay money out of your accounts.

The OP is talking about a SO, set up maybe by a relative, that pays a monthly amount into the OPs account.

opinions4u

vaziii wrote: »

Read the above post.

I have already done so. Thanks for suggesting I read it again.

My standing order paid it off, if I had control I would not have.

Are you going to try and make yourself clear?

What standing order? Who is in control of this standing order?

I appreciate that you're relatively young, but people are going to struggle to help without clarity about these things.

alanq

I don't understand how a 15-year-old was given an account with an overdraft facility in the first place.

Once a bank decides you have acted fraudulently, however unjustly, you have big problems. Unknown funds going into and out of an account in the following case were due to a bank's error.
http://www.bbc.co.uk/news/business-18540832

sunflower_2

alanq wrote: »

I don't understand how a 15-year-old was given an account with an overdraft facility in the first place.

i didnt think they did?

the way i read it was - he became overdrawn by fraudulent transactions? and as he was away, he wasnt aware of this?

OP my suggestion is to get a copy of your credit record ASAP and check for any CIFAS markers. if there is one - i doubt any bank will open an account for you.

your next step would be to dispute the CIFAS marker with Barclays in the hope of them agreeing to remove it.

good luck

typistretired

Don't understand why there has been no input from your parents. If your card was used fraudulently surely they were the first port of call as you were so young. They could have helped your dealings with the bank.