Barclays Internal Review Hell

LeighM222

@18cc - how else could I accept payment? Any scenario has potential to result in investigation

@Terry - yes. I had only 1 bank account with Barclays ( the one in question). My Cylesdale mortgage accounts are unaffected. However Lloyds rejected transfer of my Barclays account over to them.

Terry_Towelling

LeighM222 wrote: »

@Terry - yes. I had only 1 bank account with Barclays (the one in question). My Cylesdale mortgage accounts are unaffected. However Lloyds rejected transfer of my Barclays account over to them.

So, the Barclays account was just for the money from selling household items and your main banking resource is elsewhere?

LeighM222

Correct to a degree. My main banking sources are joint accounts shared with my wife - of which we are separated and a business bank account with Lloyds. She has left the country and gone incommunicado - hence setting up a separate bank account for the sale of my household possessions.

[Deleted User]

Barclays are just covering their backs.

What they’ve done is perfectly fine, and in fact, they can close accounts as they wish and without reason for whoever, even those conducted in a legal manner.

JuicyJesus

I'd think this was bloody weird too if I was looking at your accounts.

LeighM222

@JuicyJesus - weird doesn't = fraud. A person walking oddly down the street does not equal criminal.

@Gary - Barclays may be being overly cautious. And yes they have a legal right to shut down banking services for any reason at any time. That is not disputed. However ALL banks have a legal obligation to treat customers fairly - which, in my belief, has not been adhered to. Is it perfectly fine to misadvise timelines? To misinform customers? To not imitate contact except for letter of closure with no willingness to resolve the credit? To remove the credit balance from my account, in doing so accepting ownership of such funds and receiving interest from it - that is 'perfectly fine'?

[Deleted User]

Yes. It is.
Read your T’s and C’s.

They can close accounts without notice.

LeighM222

@Gary - I am not sure if you read my response properly. I acknowledged that they have a legal right to close an account without reason. Your statement of without notice is factually incorrect - they are required to give 2 months notice unless they suspected fraudulent activity. Is there a reason for your aggressive responses? Do you work for Barclays?

Ben8282

Much like the other thread involving Barclays blocking accounts, this action appears to be excessive and premature.
The original payment was made on 28th May.
The delivery date was agreed to be 2nd June.
The buyer attempted to contact the seller on 29th May but did not receive a response until (presumably) very late in the day on 29th May. (OP states contact was made on 29th May).
Yet in this very short period of time all this happens.
The buyer could not realistically expect an immediate response from the seller. A response within 24 hours seems to be quite reasonable to me. Yet the seller immediately contacted his bank, Natwest, presumably the very same day that he failed to get a response from the seller and reported suspected fraud. Natwest did not enquire how much time had elapsed since the buyer had attempted to contact the seller, ignored the fact that the delivery date had not yet passed but instead immediately accepted this as fraud and immediately, that very moment by the sound of this, got in touch with Barclays to report this fraud who then immediately blocked the OP's accounts.
A gross overreaction by all concerned.

LeighM222

@Ben - indeed a gross overreaction acknowledged by the buyer who retracted such actions immediately. Regardless of the level of reaction if the transaction is proved to be legitimate - why reject it?