Account frozen - can't get wages!

xylophone

Are you suggesting this is some sort of cowboy bank?

If the (ten gallon) hat fits........?:rotfl:

JuicyJesus

glider3560 wrote: »

Really? I could understand £5000 as cash, but as a cheque seems unlikely. I (and many others on here) have moved larger sums than this without any issue. £5000 really isn't a very large sum of money.

You'd be stunned how much fraud consists of someone opening a new account and sticking some large fraudulent cheques in it.

Armorica

JuicyJesus wrote: »

You'd be stunned how much fraud consists of someone opening a new account and sticking some large fraudulent cheques in it.

^^ exactly this - the combination of a new account and high amounts would have flagged. To be fair, NatWest might have behaved the same (although less likely given longer length of relationship)

gunsandbanjos

JuicyJesus wrote: »

You'd be stunned how much fraud consists of someone opening a new account and sticking some large fraudulent cheques in it.

Got to love a mule account.

I'm always quite amused when people come on here and moan that their bank has blocked their account and then we discover that they've had their account a matter of weeks and stuck thousands through it.

embob74

gunsandbanjos wrote: »

I'm always quite amused when people come on here and moan that their bank has blocked their account and then we discover that they've had their account a matter of weeks and stuck thousands through it.

I'm quite amused that you think it's acceptable that a bank offers a service and doesn't provide it!
I don't recall the bank asking how much, how often or how wages will be paid into the bank. For all they know OH gets paid via cheque....
OH had his last bank account for quite a number of years and I persuaded him to switch after seeing it being pushed as an MSE thing to do. I don't recall ever seeing a warning from Halifax that they may freeze the account if you put any money into it :mad:

MABLE

gunsandbanjos wrote: »

Got to love a mule account.

Some fraudster used my cahoot account as a mule account. The fraudster had hijacked other peoples accounts and deposited his ill gotten gains of £52k into my account and it was only because of the bank fraud detection systems that stopped the fraudster from moving the money out.

However as the bank know I am a pillar of society they allowed me my normal banking with them without interruption.

ChiefGrasscutter

The world has changed @embob74.
The UK is no longer an isolated island - banking is 24 hour and international. Capital controls like in the 1970's in the UK no longer exist and monies can flow across borders in an instant
Banks are now required to satisfy themselves of the source of the funds are legit and not the proceeds of theft,fraud, from countries or organisations on blacklists and the rest.
There was a time 30 years ago when to open a savings account with a building society I just went down to the branch filled in the form paid in the money, got the passbook, signed on the dotted line and that was that.

Sadly I often wonder how many posts on these forums are in reality actually fraudsters, willing mules and other scam artists either fishing for information or having been caught and are now pleading their "total innocence".

I can remember one blatant one on the techie forum someone actually asking how to drop a key logger onto someone else's computer remotely! I think it was a matter of less than an hour before the post was deleted by the MSE team.

Paul_1977

ChiefGrasscutter wrote: »

The world has changed @embob74.
The UK is no longer an isolated island - banking is 24 hour and international.
There was a time 30 years ago when to open a savings account with a building society I just went down to the branch filled in the form paid in the money, got the passbook, signed on the dotted line and that was that.

You can do that with Metro Bank, with ID, and proof of address, was this required 30 years ago?

ChiefGrasscutter

No, I cannot remember ever having to provide any form of ID or address verification for opening accounts in say 1980's - these would have been savings accounts with building societies in the days of seriously high interest rates.
Mind you they would have had the cheques used to deposit money in so they would had had some sort of "record" that I had a UK bank account.

Indeed as at that time my address due to my work moved around at lot and was sometimes actually an hotel I doubt I could have even provided any address verification. I was never on the electoral roll at any of these places, though I was on the roll at another place in the UK throughout though I was never there. When I moved to next temp address I simply wrote a letter - new address as of date X will be Y and that was it.

I think it must have been after around 2000 to 2002 that gradually some form of customer ID etc checking came in and as we know has just got worse and worse.