Family Bank Transfer Owed Money Dispute

Roxy07

I need desperate help please 

my mum owed me about £3k as I've been paying for my motability car the last 12 months (I only got it to help her out with work etc but she's abusing it by using it for herself too much) and she said she would pay the £240 each month 

so my mum has recently been diagnosed with a disability which means she was entitled to PIP.. so she got some backdated money from PIP over £5k.. and she owed me about £3K as she hasn't been paying me the £240 each month 

she transferred the money like a week ago. She was happy to do so.. now she's gone to her boyfriends house I find my online bank account has been suspended and she rang up the bank to dispute the money she transferred in my bank a week ago! 

How is that fair!? They can just suspend my account on lies!? That's like someone paying for a car, getting the car and then disputing not getting the car so suspends someone's bank account!? How is that fair!? 

My mum is an alcoholic and has a new boyfriend who hates me.. they both drinkers and she's basically only Known him a few months.. she's turned really evil and selfish! She is the one with fraud and a criminal record not me my criminal record is clear! 

Any legal experts what's the likely outcome of this? I rang up Lloyd's to dispute it as I need that money for a house move, decorating etc 

I thought bank transfers wasn't able to be disputed after over a week! Surely it's a civil family matter? 

Thanks 

Roxy07

She's also suspended my nans bank account as she gave my Nan £500 which my Nan lent her 

eskbanker

Unfortunately if senders claim that a bank transfer related to some sort of scam or fraud then the banks have to investigate and obviously need to freeze accounts in order to do so without the recipient emptying the money out after being tipped off.  It'll undoubtedly seem unfair in circumstances where this process is apparently triggered maliciously, but just provide Lloyds with all the evidence about what the money was for and they should reinstate access once their investigation is complete.

Roxy07

eskbanker said:

Unfortunately if senders claim that a bank transfer related to some sort of scam or fraud then the banks have to investigate and obviously need to freeze accounts in order to do so without the recipient emptying the money out after being tipped off.  It'll undoubtedly seem unfair in circumstances where this process is apparently triggered maliciously, but just provide Lloyds with all the evidence about what the money was for and they should reinstate access once their investigation is complete.

Thanks for your help 

how long will it take to complete their investigation? 

In these circumstances what do you think is the mostly outcome? Like I said I need that money to move with and decorate 

thanks 

digalumps

Please could you explain a bit more about your motability car

 I assume you are on the equivalent of mobility allowance which give you the money to buy a car if you wish tso why is your mother contributing £240 towards it and using it?

are you committing benefit fraud?

eskbanker

Roxy07 said:

how long will it take to complete their investigation? 

In these circumstances what do you think is the mostly outcome?

No idea how long it'll take I'm afraid but I'd guess at weeks rather than days or months.

It would be foolhardy of me to take a guess at the outcome after hearing only one side of the story, but if you have a reasonable level of evidence to back up your claim that she owed you the money then it should be difficult for the bank to come down on her side.

born_again

digalumps said:

Please could you explain a bit more about your motability car

 I assume you are on the equivalent of mobility allowance which give you the money to buy a car if you wish tso why is your mother contributing £240 towards it and using it?

are you committing benefit fraud?

https://forums.moneysavingexpert.com/discussion/6143117/family-bank-transfer-dispute#latest

the other thread.

It's going to end well at all. Unless the Op has rock solid proof that their mother had agreed to the transfer to pay off a loan. Of course they could get the police (doubt they would be interested)  involved, but given that there will be no paperwork on the amounts agreed. Then it would see the OP in even deeper mire is the police decided to inform Motorbility that OP had been sub renting the car out to a 3rd party. 

colsten

born_again said:

It's going to end well at all. 

If you mean "it's not going to end well at all", I would agree with you