HSBC blocked my account with them

a_rxzy

Hi, my friend in france owed me 20K. Since then I moved to the UK and now he wanted to give it back to me. So I gave him my bank account details (HSBC) so that he can transfer it into my account. He transferred it into my account and now HSBC has put a block onto it. I don't know what to do. I have an appointment with them tomorrow but i'm scarred they are going to refuse the amount into my account as I am a black man and my friend who owed me money is white and they are going to think something fishy. How do I prove to them that it is legitimate money and that he is only just paying me back. and how do I get my account back?

eskbanker

a_rxzy wrote: »

i'm scarred they are going to refuse the amount into my account as I am a black man and my friend who owed me money is white

HSBC won't be interested in your (or your friend's) ethnicity, it isn't relevant to money transfers and will have blocked the unusual payment without any knowledge of this anyway.

a_rxzy wrote: »

they are going to think something fishy. How do I prove to them that it is legitimate money and that he is only just paying me back.

There will presumably be some sort of trail to back this up? The bank statement covering the original loan transaction, some documentation or correspondence, even if just emails or whatever....

a_rxzy wrote: »

how do I get my account back?

Provide them with what they ask you for....

[Deleted User]

a_rxzy wrote: »

Hi, my friend in france owed me 20K. Since then I moved to the UK and now he wanted to give it back to me. So I gave him my bank account details (HSBC) so that he can transfer it into my account. He transferred it into my account and now HSBC has put a block onto it. I don't know what to do. I have an appointment with them tomorrow but i'm scarred they are going to refuse the amount into my account as I am a black man and my friend who owed me money is white and they are going to think something fishy. How do I prove to them that it is legitimate money and that he is only just paying me back. and how do I get my account back?

How is this even relevant?

[Deleted User]

So basically this isn’t true and the funds haven’t come from where you say they’ve come from

EarthBoy

Your story is so obviously untrue that you might as well have titled your post: "Please help me to get away with fraud and money laundering".

jonnygee2

How do I prove to them that it is legitimate money and that he is only just paying me back.

The most obvious thing to take with you is details of the initial transfer to your friend when you lent the money to them.

Then they will probably want to understand who your friend is and what he did with the money.

I would take scans of your friends ID and bank statements of the transferring account, both when the money went in and when it went out. Also proof of what he used it for, how he was able to repay it.

I'd also take bank statements which show the initial build up of funds in your own account before the transfer to your friend.

I appreciate that creates a lot of work for your friend but I imagine he owes you one after you lent him 20k.

18cc

Whether or not it was a 20K loan repayment or anything else is totally irrelevant - it is perfectly allowable for anyone to send anybody else as much money as they want

why the bank has blocked it is the source of the funds i.e. the sending bank account is dodgy it has nothing to do with 20K or whether you did or did not in the past lead to him

I I would check with your friend if he has been doing anything illegal with his bank account as it sounds like it is on a blacklist somewhere

boo_star

I'd have avoided the "they're not going to refund me because I'm black" line if you wanted to get more bites.

Flobberchops

The obvious solution is to attend the bank in white facepaint. That will assuage any suspicions they may have about you.

eskbanker

Flobberchops wrote: »

The obvious solution is to attend the bank in white facepaint. That will assuage any suspicions they may have about you.

Most banks prefer you to stay in the black....

Kentish_Dave

In response to the comment above about anyone being able to send as much money to anyone they want, no this is not true.

Money laundering is illegal, so money sent as part of that is not allowed. You can’t send money to fund terrorism either, nor to pass on proceeds of crime.