Barclays new Account Closure

Legacy_user

No longer needed

[Deleted User]

1) Possibly. Possibly not.
2) Check your files, including CIFAS.

[Deleted User]

Until you know if there is any CIFAS issue, there is no point speculating.

It may nothing. Barclays are not the most robustly run bank in terms of QA.

[Deleted User]

The complain won't have any bearing on whether a CIFAS marker is applied or not.

It doesn't sound as if there is any reason for one to be applied. It sounds like standard Barclays confusion.

tenchy

If the bank are being unhelpful like this, is it an option to serve them with a SAR? In theory, this should deliver everything they have about you, save for any suspicion of fraud - possibly. But even so, it still might show something CIFAS-related, if it exists.

Thrugelmir

A month ago your bank account away from Barclays. Now you are returning. The bank can only surmise why. Nevertheless you perhaps weren't a profitable customer to have in the past nor will you be in the future. A commercial business decision as straightforward as that.

tenchy

Thrugelmir wrote: »

A month ago your bank account away from Barclays. Now you are returning. The bank can only surmise why. Nevertheless you perhaps weren't a profitable customer to have in the past nor will you be in the future. A commercial business decision as straightforward as that.

True, of course, but the way they do this leaves a lot to be desired.


@mariosn SAR - Subject Access Request. It will cost £10 to serve it on the bank and they then have a limited time (can't remember how many days - 56?) to provide you with all the information they hold about you. There may be limited exceptions, but it might provide you with some clues as to what's happening.

Thrugelmir

tenchy wrote: »

True, of course, but the way they do this leaves a lot to be desired.

A business is unlikely and under no obligation to say why they don't wish to have someone as a customer. Might be as a basic an internal policy. Relationships work two ways.

john1002

Just a word of caution that the type of CIFAS marker won’t show up on any of the three CRA you have to go Direct to CIFAS and do a SAR application to see if they have any details on file.

It’s only identity type markers that you see at CRA.

Good luck and keep us posted.

John

john1002

You could do two things, wait until you apply for another bank account or credit product and if declined and they mention fraud as main reason then you could do it then or wait at least 6 weeks and apply the SAR request.

If the letter is as you have quoted and they have just closed the account and refer to T&Cs then I suspect a CIFAS marker unlikely.

John

[Deleted User]

From what you've said, it will be the latter.