Lloyds account blocked along with my mums Halifax Account

Money_maker

How did you discover your mums account was blocked?

swaydog

Money_maker wrote: »

How did you discover your mums account was blocked?

I tried to buy something with my Lloyds card, when that didn't work I used my card for her Halifax account and that didn't work either. So I called both banks and got told all accounts are blocked.

boo_star

swaydog wrote: »

I tried to buy something with my Lloyds card, when that didn't work I used my card for her Halifax account and that didn't work either. So I called both banks and got told all accounts are blocked.

This is standard practice. It protects the bank against accusations that they didn't do enough, which can land them considerable fines.

EarthBoy

swaydog wrote: »

I know for a fact they can do. If the secondary account holder is added at a later date, as in my case. I remember being told in branch that I needed to get the primary account holder's permission for something once.


Also found this
"Nationwide’s contact has been with you because you are the primary account holder."

http://www.thisismoney.co.uk/money/experts/article-2812344/My-ex-ran-2-000-overdraft-joint-account-account.html

What you think you "know for a fact" is incorrect and the link you've quoted proves nothing as the This is Money website often gets things wrong so you shouldn't assume it's accurate without further evidence to back it up. Your mother may have been the primary user of the account, but you and she are both equal account holders. As everybody else is telling you, the Halifax account is your account and of course the bank have blocked it. They will not unblock it until their investigations are completed and they satisfy themselves that you haven't committed any fraud.

sleepymans

Tell your Mum your friend will return your favour and make sure she isnt inconvenienced or out of pocket as a consequence of his financial dealings.

Because, of course, he will......won;t he????

DCFC79

FriendlyFoe wrote: »

If the cards were blocked too then it is 100% an issue of fraud, not anti money laundering.

It sounds like your friend has screwed your over. What did he purchase exactly with your card?

Yes it seems the friend has done him over.

Swaydog why did you let your friend use your card, he didnt have his card on him is a poor excuse.

xylophone

Swaydog why did you let your friend use your card,

The friend didn't use Swaydog's card.

"The person" who transferred it to me wasn't the source of the funds. He's a victim too.
Actually I gave the money to the seller of the purchased item, maybe they should get their account blocked too.

sheramber

Your friend transferred the money to you.

You then transferred the money to the seller.

Why could your friend not transfer the money to the seller instead of transferring it to you and you transferring it to the seller?

If you travel specifically to buy something using your card would you not ensure you had your card with you?

badger09

!!!!!! OP

Stop pratting about on here & making excuses.

Tell your mum, before she gets a very nasty surprise when she can't access her account or use her debit card.

18cc

I don't think you have quite realise the seriousness of what you have done and if anybody else is reading these forums then take it as a warning

you have allowed funds from a source that you don't know to go into your account worst still itheycame via a third party

the best you can hope for is that the investigation finds in your favour and everything is unfrozen otherwise what could happen is that all your accounts with Lloyds banking group are closed and fraud marker put against your name which means that you won't be able to open any other bank accounts etc for at least six years

the absolute worst that can happen is that they accuse you of money laundering and the police get involved