Pulling my hair out!

melissa-elizabeth

I went bankrupt last week and hadn’t realised that my bank account had been frozen until Monday. I was far too busy on Monday at work to sort it out so had to wait until Tuesday. On Tuesday I called my bank and they had advised me to call the company I filed bankruptcy with and fax them through a copy of the letter with the basis of unfreezing my account. When I called the Accountant in Bankruptcy they had advised me that they no longer do this and that I was in fact to take the letter into my local branch and have them photocopy the letter. When I went into my local branch, they didn’t have a clue and made me contact the number I had called earlier while in the branch. After being on the phone for an hour I was advised to tell the bank assistant in the branch that SHE was to fax the letter. I was due to be paid from my work on Wednesday so obviously I was keen to get the freeze lifted! When I checked my account on-line yesterday, my account was STILL frozen when I called the bank, the girl on the phone didn’t seem to have a clue, and I was on hold for 30 minutes whilst she put me through to three different departments, all of which refused ANY responsibility. In the end she said she would call me back as it didn’t seem any fax had been forwarded to them. I then called back back because no one had rung and I convinced myself that I had given her the wrong number (which, I hadn't). The man on the phone was basically like ‘Well, everyone is struggling’. Basically I hadn’t eaten all day because I had no money to buy food so at this point I was really upset and exhausted. He said that one of his team were investigating it and would phone me back, no on called me back! I did check my account at 4pm though and noticed that it was unfrozen. BUT my wages hadn’t gone in.


I therefore phoned the bank again. (Keeping in mind I already spend a fortune over the past few days being kept on hold) and they advised me that my wages would have bounced back to the company I worked for; I made sure they confirmed this TWICE!
When I phoned the company I worked for, the lady in payroll didn’t have a clue and said she would ask the cashier and phone me back. I had not heard ANYTHING back so phoned back myself an hour later and apparently she had gone home. So that was that on Wednesday, it was too late to call anyone else.


I checked my account this morning and AGAIN no wages have gone in. When I phoned the bank, they said they had no money sitting in a holding account so it would have bounced back to my wages. I phoned wages, but they have nothing confirming that they have been sent back to them so SOMEWHERE my wages have become lost!



I then contacted the bank back and the guy on the phone said that he would get a colleague to investigate it and said colleague would call me back but it could take up to 48 hours then another 48 hours for the money to go into my account - I’m not holding my breath!



The thing is, I don’t mind not eating for a few days, but I have rent due to come out on Saturday. It’s bad enough telling your landlord that you don’t have rent for them, but to then have to explain that you have no idea when she’ll actually get it?! I’ve NEVER been late with rent before so the situation is so upsetting. I don’t have much family and I can’t ask my brother for £400 to cover my rent because he has three kids to raise and doesn’t have that kind of money lying about.



Does anyone have any idea who is fibbing?! My wages go in at the same time every month, if the bank looked back they’d realise this, surely one company must know where my wages have gone?! The bank is claiming they have no record of the money attempting to go in and wages are claiming they never got sent money back.


Has anyone else experienced so much drama when going bankrupt? I am actually worried sick right now!

egrescrimp

Could you not ask your employer if they can advance your next pay until your missing payment is found?

melissa-elizabeth

egrescrimp wrote: »

Could you not ask your employer if they can advance your next pay until your missing payment is found?

I do overtime love, without overtime I'm only on £660 a month, with overtime it's roughly about £800 - £900, so they need to calculate all the overtime I do and put it onto the wage, which they can't do if I haven't done any yet. It's my supervisor that puts my hours through the last Sunday of every month, which then goes to payroll who pay out on the last Wednesday of every month. It wouldn't be so bad if it was weekly or fortnightly, but it's monthly. Plus, it's public sector so I'm one of the many hundred thousand people working for them.

melissa-elizabeth

I'm actually wondering if I should get the police involved. It just seems that my wages have disappeared into thin air and no one wants to take responsibility.


It’s just so unnerving that no one seems to know where the money is and when I'll get it back! Even if I knew when I was getting it, I could tell my landlord to expect rent on such and such date, but no one can seem to tell me.

melissa-elizabeth

Plus my cat food will run out on Monday and it's more important to me to keep them fed than getting myself fed to be honest.

Louk

Who is the frozen bank account with?

samurai1

I personally would start at the source, the company that pays your wages.
They must have a record of how much was paid to you, when it was paid, and were it was sent to.
for your "payroll department" to say they don`t know is totally wrong.

melissa-elizabeth

Louk wrote: »

Who is the frozen bank account with?

The Royal bank of Scotland. It's no longer frozen after me phoning them and getting on to them loads, but when it was frozen, payroll have obviously tried to put my wages in on Wednesday morning and since then, the wages have went AWOL. The bank are claiming the wages would have bounced back to payroll, payroll are claiming the wages would have gone into a holding account. Bank checked the holding account and there's nothing there and wages are claiming they haven't had anything back. At the moment the bank are apparently investigating.... again and will phone me back... again. And they are hoping the situation will miraculously resolve itself and my wages will show up tomorrow... again.

I am so freaking frustrated!

melissa-elizabeth

samurai1 wrote: »

I personally would start at the source, the company that pays your wages.
They must have a record of how much was paid to you, when it was paid, and were it was sent to.
for your "payroll department" to say they don`t know is totally wrong.

They do know all that, what they don't know is where the money has gone. I have the payslip on me, we're given it on the last Sunday of the month. I get paid at 1am on the last Wednesday of every month and it gets sent to the same account every month. Payroll claim to have sent payment, but said that they haven't received the payment back from the bank. I told the bank how much exactly would have been paid in and the reference number and they had said there's no evidence of the attempted transaction, even though if they looked they would see it goes in at the same time EVERY month. I actually think the bank have flunked!

Flm67

Is this an RBS basic account? The reason I ask is when we went BR our account was frozen but only after a couple of months. They did deny this at first but then admitted it was frozen and allowed us a basic account.

melissa-elizabeth

Flm67 wrote: »

Is this an RBS basic account? The reason I ask is when we went BR our account was frozen but only after a couple of months. They did deny this at first but then admitted it was frozen and allowed us a basic account.

Yes just the basic account. I had a fair idea that my account would have been frozen as the letter I got through from the AIB on Friday advised that it may happen, so I lifted £20 on Saturday to keep me going to what I thought would have just been Tuesday, I had no idea it would have been dragged out like this!