Help plz frozen my accounts!!

DCFC79

DomRavioli wrote: »

See above in red. Worse thing that can happen to someone.

Thanks Dom, had no idea what agrophobia was or what it meant someone couldnt do.

p00hsticks

cheesetoast wrote: »

Why not just open an account elsewhere, and use 7-day switching to take your business to a bank that won't screw you about.

It's not going to help the OP get cash out in time for Xmas though....

suzeesu2000

Umm...isnt it illegal for a bank to withold benefits? I seem to recall something a while back that said the bank MUST give access to benefits...i could be wrong.

Also, stop speaking to the one who answers the phone and tell them you want a senior regional manager to ring you within 24 hours and that you are referring what they have done to the banking ombudsman.

Surely they could have just locked the £45 to stop it being withdrawn? And also, why is the bank getting involved? They are not the police, point this out to the RM, if fraud has been committed by you then it should be the police who investigate not the bank...or has the law process been changed while i have been asleep?

And i bet you have already learnt the lesson, NEVER send anything without a signed for delivery. Accept payments via paypal always. Oh, change banks!! Make a written statement to be logged on your account that you are housebound and cannot physically access any branch. I have done this with mine and they have been great.

Good luck.

mwarby

NotRichAtAll wrote: »

@mwarby
I thought paypal had to be linked to your bank in order to send money once it has been recieved nor would you be able to transfer it as its not linked to an account

I was thinking more that when using PayPal, the buyer never knows your bank details, and I've not heard of a PayPal dispute leading to bank accounts being frozen (PayPal accounts yes).

As I understand it any accusation of fraud would either be reported to PayPal direct or to PayPal from buyers bank. For the original dispute (item not received) the worst that would happen is transaction is reversed leaving PayPal account with negative balance

GingerFurball_2

suzeesu2000 wrote: »

Umm...isnt it illegal for a bank to withold benefits? I seem to recall something a while back that said the bank MUST give access to benefits...i could be wrong.

Also, stop speaking to the one who answers the phone and tell them you want a senior regional manager to ring you within 24 hours and that you are referring what they have done to the banking ombudsman.

Surely they could have just locked the £45 to stop it being withdrawn? And also, why is the bank getting involved? They are not the police, point this out to the RM, if fraud has been committed by you then it should be the police who investigate not the bank...or has the law process been changed while i have been asleep?

And i bet you have already learnt the lesson, NEVER send anything without a signed for delivery. Accept payments via paypal always. Oh, change banks!! Make a written statement to be logged on your account that you are housebound and cannot physically access any branch. I have done this with mine and they have been great.

Good luck.

The bank aren't blocking access to benefits. The OP can withdraw them in branch.

A senior regional manager isn't going to ring you over this either. The bamk's had a report you've scammed someone out of money so they've blocked your account while they investigate. The blocks will probably be removed and you'll get sent a letter telling you if you do it again your accounts will be closed.

qsk

Kayla2012 wrote: »

I haven't scammed anyone!! :mad:

No need to be too sensitive - the poster didn't say you were scamming.
How long have you been with your bank? I find it surprising that a bank would choose to believe (to some extent) a claim from a third-party rather than its own customer. I never heard a case where a bank would freeze a customer's account based on an accusation/dispute from a stranger.

Norscbu

If you could get someones bank accounts frozen by sending a nominal amount and then calling the bank and give a story about not receiving something, could you imagine the mayhem? People would do this to avenge people and all sorts. Or maybe this really is possible and I've missed the memo. Crazy.

I don't believe this story one bit, this forum would be littered will similar stories. There must be more to it.

GingerFurball_2

Norscbu wrote: »

If you could get someones bank accounts frozen by sending a nominal amount and then calling the bank and give a story about not receiving something, could you imagine the mayhem? People would do this to avenge people and all sorts. Or maybe this really is possible and I've missed the memo. Crazy.

I don't believe this story one bit, this forum would be littered will similar stories. There must be more to it.

Banks have a duty to investigate allegations of financial crime. While the bank isn't liable to refund a transaction you've authorised, some banks won't take too kindly to their customers scamming people out of money.