Lloyds closed my accounts hard getting new one

colsten

themadhouse wrote: »

Just to clarify the bank account was a limited company bank account.

This doesn't protect a company Director from all sorts of personal liabilities, fines, prosecutions and disqualifications. It seems you have an uphill struggle to prove that you had no association with the new owners when the fraudulent activities took place. If I were you, I'd find myself a good solicitor asap to get proper legal advice on what you might be able to do to rescue the situation.

Thrugelmir

themadhouse wrote: »

Just to clarify the bank account was a limited company bank account.

Who were the signatories on the account? If you sold the business then presumably there were none left.

jonesMUFCforever

You sell a company lets call it joe ltd - you have a lloyds account for the company - after the sale buyer A N Other has no signing rights to your joe ltd account.
How did they access the account? Did you change the mandate?
If not then you are the signatory on joe ltd as far as Lloyds are concerned.
They would not check anything at Companies house - why would they need to?

themadhouse

So advice is to try and resolve with Lloyds and explain - to whom and how? They have put the fence up?

colsten

themadhouse wrote: »

So advice is to try and resolve with Lloyds and explain - to whom and how? They have put the fence up?

colsten wrote: »

If I were you, I'd find myself a good solicitor asap to get proper legal advice on what you might be able to do to rescue the situation.

There's an echo in the thread

antrobus

jonesMUFCforever wrote: »

...How did they access the account? ....

Board resolution.

jonesMUFCforever wrote: »

....They would not check anything at Companies house - why would they need to?

To ensure that the people who certified the board resolution actually were directors of the company?

antrobus

eskbanker wrote: »

Just a thought but does resignation as owner/director/shareholder automatically mean that you're no longer linked to the company bank account? Obviously new owners would normally be keen to change authorised bank account signatories and so on, but if they failed to do so for whatever reason, then Lloyds could presumably argue that, regardless of company sale info being in the public domain, OP could still be associated with the company bank account if they weren't explicitly advised otherwise?

Basically yes. You can sell the ownership of a limited company, and resign as a director, yet still be involved in the management of that company.

If the new owners of the company did not, for whatever reason, remove the name of the former owner/director from the bank mandate, then the bank might reasonably conclude that said owner/director was still involved in the business.

jonesMUFCforever

antrobus wrote: »

Board resolution.



To ensure that the people who certified the board resolution actually were directors of the company?

They would only do this if the directors of the company wanted to open a new bank account or change directors.
Mad has not told us whether the bank mandate was changed or whether his version of the account was shut down.

Bitteswell

Credit files at Experian, Equifax and Calllcredit only have Cifas Protective Registration and Victim of Impersonation markers on them. If you want to know whether there is an application fraud, identity fraud, first party fraud or insurance fraud Cifas marker against you, you can only find this out by submitting a Data Protection Act Subject Access Request to Cifas itself. See their website for details and the necessary form. You will be charged the statutory fee of £10.


You could also have a fraud marker on National Hunter or Synectics. N. Hunter Ltd supply these markers to them. Again these are not on your credit file. You have to apply to N. Hunter Ltd for Subject Access to find out if a fraud marker is present.


If you find a fraud marker and the information is not accurate, you can challenge the organisation that put the information there. You can use the Ombudsman Service to which that organisation belongs, if they refuse to remove it and you are still certain it is inaccurate. You can request financial compensation if the data is inaccurate and you have been adversely impacted by it. You would need documentary proof of this to be successful.

Ed-1

Bitteswell wrote: »

You could also have a fraud marker on National Hunter or Synectics. N. Hunter Ltd supply these markers to them. Again these are not on your credit file. You have to apply to N. Hunter Ltd for Subject Access to find out if a fraud marker is present.

What do you mean by a 'fraud marker' with National Hunter or Synectics Solutions?

As far as I understand, these two organisations have databases containing application data logged with them by lenders to which they assign a status. With Synectics the options are 'clear' or 'refer' and with N Hunter they are 'clear', 'inconsistency' and 'applicant refer'. I've never committed application fraud but have 'refer' (with Synectics) and 'inconsistency' (with N Hunter) statuses for some of my applications with the reason (on N Hunter) being 'unrealistic level of apps from same address'.

Also what do you mean by N Hunter provide Synectics with this information? I've had applications on N Hunter that are not held with Synectics (National SIRA database)?