My lloyds bank got suspended!!

johnnyldn

Hello.
About a week ago i have received around 3,800£ in my account from a person that I don’t know it personally because it was from a videochat he was trying to tip me with some money through the website but he said he can’t so he ask me for my sort code and account nr to tip me.. i was expecting some small amount abt 100/200£ no 3800£
I was happy but unfortunately the bank suspended my account I went to the bank and ask them how to unlock my account but they said you need to provide us with a statement from the person who send you the money but unfortunately that person was a rendom person from a videochat i am not able to see the person name or something like that .. I won’t be able to get that from him since i dont know who is it..
What should i do ?

[Deleted User]

Not much you can do now.

They suspect you're involved in fraud or money laundering and it looks like they're right.

You're likely to get a CIFAS marker and have your account closed down - not just with Lloyds.

Keep checking your files and look for a bank who will allow you to open a basic bank account and be prepared to switch your banking to that account.

Kentish_Dave

No-one’s going to believe that a stranger sent you thousands of pounds for what you suggest is pretty much no reason?

What’s the actual story here? We’re you supposed to keep some and forward the rest on?

Without more information this sounds like yet another money mike being caught; you need to give far more information than you have.

mattvolatile

Are you a sex worker, or cam performer? You don't mention that the person who sent you the money wanted you to forward it on, so I'm going to assume this isn't a money mule or money laundering issue, but it will obviously look like one to the bank.

Unlike the previous posters, I certainly could believe that a random stranger sent you money on video chat, as that does happen all the time on cam sites. But you'd need to declare the income as income to avoid these situations.

To convince Lloyds that this isn't fraud, you'd need to be able to show the source of these funds and then either already be registered self employed, or be prepared to become so. Do you have screenshots or chatlogs? Receiving payment for cam work isn't illegal, but you do need to declare the income to HMRC. If this is a sex work situation, you need to be open and honest about how you earned the payment, and tell Lloyds you'll be declaring it on your tax return.

[Deleted User]

Ah gotta love a school holiday post....

System

Kentish_Dave wrote: »

No-one’s going to believe that a stranger sent you thousands of pounds for what you suggest is pretty much no reason?

Oh really?? Happens all the time actually. So no need to judge.
https://www.youtube.com/watch?v=Y6jC6VaO3j0

System

mattvolatile wrote: »

Are you a sex worker

OP. Please don't answer this. :doh:

[Deleted User]

beany_bot wrote: »

Oh really?? Happens all the time actually. So no need to judge.
https://www.youtube.com/watch?v=Y6jC6VaO3j0

These are done through legitimate accounts though

Tallaght

Nearly everyday now we get suspected money laundering threads.

System

Tallaght wrote: »

Nearly everyday now we get suspected money laundering threads.

Banks aren't understanding or keeping up with how the modern world works. Money flies around changing hands minute by minute. Banks are always 15 years behind.

johnnyldn

I do paay tax because i have a job anyway I received a letter saying that they are not longer offering their banking services due to a fraudulent transaction of 3,800£ so i have to bring my id with so they can settle my account.. and on the other page say that if this is not an option please call us to discuss the way we can return any of the fund which belongs to you