Bank account closed, nowhere to go.

TomBo91

cymruchris said:

xlnc99 said:

Also - not one single suggestion or helpful comments to the OP.

My knowledge of CIFAS is limited - so I avoided giving 'bad advice' - but did think the suggestion of Cashplus as a short term solution to 'needing a direct debit account' now was helpful, as they clearly state they don't conduct any credit check when opening an account, and that on verification of identity only you are 100 percent guaranteed to get an account. That would no doubt be helpful to someone in this position. 

She has applied for an account through cashplus, however they were "unable to process" her application, and this has been escalated. I presume this will be down to the CIFAS marker.

xlnc99

sheramber said:

xlnc99 said:

 
Firstly the whole nonsense about 'being a business' etc is rubbish. Everyone buys and sells items at some point and a bank transfer is how most pay.  

Do they draw up a contract that they get the  buyer to sign when they sell their   goods?
So the framer who sells his animals   is not running a business?

Not sure i understand your post. However, as far as i understand the friends dogs had some puppies and like most people sold their pups. They used a bank account for the transaction. You do not need a business account for this, even if they do this every year. As i said, banks do not care about this sort of thing. Only if they use the account just for business and its full of high worth transactions constantly which are all to do with business - then its a problem.

xlnc99

TomBo91 said:

xlnc99 said:

Alot of bad advice on here from people who quite frankly do not know what they are talking about. Also - not one single suggestion or helpful comments to the OP.

Let me be the first to try and help as i have been in a very similar situation including being marked with a CIFAS.

Firstly the whole nonsense about 'being a business' etc is rubbish. Everyone buys and sells items at some point and a bank transfer is how most pay. Furthermore, truth be told banks dont care too much about personal accounts being used for business purposes as long as its just not for business purposes. Everyone does it. So number 1 - ignore the whole 'business account debate'

Secondly, i do believe your friends story and exactly what has happened. Very similar to me where the buyer has called their bank and quite possibbly your friends bank to make a complaint that your friend has done a bank transfer scam in advertising goods, taking the cash but not delivering the goods. Its as simple as that, and i can guarantee when your friend does a CIFAS SAR it will come back as that and nothing to do with a business account. IT will be marked as some sort of fraud on her CIFAS report.

The good news is, this can be fixed. IF and i mean IF your friend is telling the truth and has all the evidence in terms of text messages, contracts, paperwork etc then she needs to urgently e-mail barclays. I mean e-mail all the management team of Barclays including the CEO, explaining what has happened and provide all the evidence. Let them know how urgent this and how its effected her life, no bank, no money, the stress shes been under, made to look like a criminal etc etc. Give them a sob story and also point the fact that they have marked a CIFAS on her report. Remind Barclays how they never asked her for her account of the events etc etc. You know the drill.

They will respond and this will get sorted, hopefully the bank account will be reinstated.

I had the same situation with funnily enough the same bank. All god resolved, plus i got compensation. Just follow my advice.

Banks are always too quick to make judgement. Once an accusation of fraud, stolen money etc is made, you are buggered. Whether its true or not, banks 9/10 see you guilty.

Thank you for your help. She has already lodged a complaint with Barclays, however I will ask her to send an email

Make sure the e-mail is to you the management team for Barclays and also the CEO. I remember when i did it, i googled the team and then got their e-mail addresses one by one. I sent about 10-15 e-mails to all the people high up in the chain before it got taken seriously

tehone

xlnc99 said:

Alot of bad advice on here from people who quite frankly do not know what they are talking about. Also - not one single suggestion or helpful comments to the OP.

I assume you lack the ability to read or are just plain arrogant
There's a fair amount of good advice on the thread (some of it I would say from me!)
Nothing seems out and out bad advice - though there is a lot of sidetracking about the ins and outs of the dog breeding being a business.
The practical advice has been two fold - suggestions of how to immediate mitigate the closure of the bank account- Hyperjar / Cashplus / Monzo etc.
Then finding out the complete story as to why the CIFAS marker was placed and dealing with the best way to resolve that issue.
Lastly is the consideration of twhther the dog breeding is / isn't a business and anything that might follow from that

cymruchris

TomBo91 said:

cymruchris said:

xlnc99 said:

Also - not one single suggestion or helpful comments to the OP.

My knowledge of CIFAS is limited - so I avoided giving 'bad advice' - but did think the suggestion of Cashplus as a short term solution to 'needing a direct debit account' now was helpful, as they clearly state they don't conduct any credit check when opening an account, and that on verification of identity only you are 100 percent guaranteed to get an account. That would no doubt be helpful to someone in this position. 

She has applied for an account through cashplus, however they were "unable to process" her application, and this has been escalated. I presume this will be down to the CIFAS marker.

Let us know how this turns out - as then I'll know whether to recommend a similar approach to anyone in a similar circumstance in future. 

born_again

sheramber said:

I am surprised  that a bank will  freeze all accounts  on the say so of a third party without any investigation.
That leaves the way for anybody with a grudge to make a false accusation with serious  consequences.
  

Do you honestly believe what you have posted?
It might surprise you, but a lot of work will have gone into the investigation and making the decision to close the account. The account holder will have been contacted and given their chance to defend themselves. Sounds like they shot themselves in the foot by saying that they had been selling puppies over the last couple of years.

As to banks not caring about a personal account being run as a business, xlnc99 is so wrong, but then again they do not work in banking so have little idea of what goes on.

xlnc99

eskbanker said:

xlnc99 said:

not one single suggestion or helpful comments to the OP.

Let me be the first to try and help

If only someone had concisely posted within half an hour of the thread being started that "she should find out from CIFAS exactly what's been reported to them and take it up with Barclays from there", eh?

Must have missed this. But to be honest, this was not directed at you. Although i have had disagreements with some of your posts, you do actually post advice and help people (including me in the past) - so cant fault for doing what this forum is meant to be about. Helping people.

xlnc99

cymruchris said:

xlnc99 said:

Also - not one single suggestion or helpful comments to the OP.

My knowledge of CIFAS is limited - so I avoided giving 'bad advice' - but did think the suggestion of Cashplus as a short term solution to 'needing a direct debit account' now was helpful, as they clearly state they don't conduct any credit check when opening an account, and that on verification of identity only you are 100 percent guaranteed to get an account. That would no doubt be helpful to someone in this position. 

You also are a decent poster on these forums always helping and giving advice to people. So cannot fault your posts on here

xlnc99

tehone said:

xlnc99 said:

Alot of bad advice on here from people who quite frankly do not know what they are talking about. Also - not one single suggestion or helpful comments to the OP.

I assume you lack the ability to read or are just plain arrogant
There's a fair amount of good advice on the thread (some of it I would say from me!)
Nothing seems out and out bad advice - though there is a lot of sidetracking about the ins and outs of the dog breeding being a business.
The practical advice has been two fold - suggestions of how to immediate mitigate the closure of the bank account- Hyperjar / Cashplus / Monzo etc.
Then finding out the complete story as to why the CIFAS marker was placed and dealing with the best way to resolve that issue.
Lastly is the consideration of twhther the dog breeding is / isn't a business and anything that might follow from that

I wouldnt a 'fair amount'  of good advice. I do agree with the sidetracking of the dog business which is a non issue and nothing to do with the issue at hand. The posts about that did sidetrack this thread and was mostly what caught my attention. 
P.S - I am most definitely not arrogant, maybe its my lack of ability to read.

xlnc99

cymruchris said:

TomBo91 said:

cymruchris said:

xlnc99 said:

Also - not one single suggestion or helpful comments to the OP.

My knowledge of CIFAS is limited - so I avoided giving 'bad advice' - but did think the suggestion of Cashplus as a short term solution to 'needing a direct debit account' now was helpful, as they clearly state they don't conduct any credit check when opening an account, and that on verification of identity only you are 100 percent guaranteed to get an account. That would no doubt be helpful to someone in this position. 

She has applied for an account through cashplus, however they were "unable to process" her application, and this has been escalated. I presume this will be down to the CIFAS marker.

Let us know how this turns out - as then I'll know whether to recommend a similar approach to anyone in a similar circumstance in future. 

I am not 100% certain but i do now that CASH PLUS have applied to be a bank and its been going on for a year or so now. Infact, i believe they are at the late stages of officially becoming a registered bank. So it could be they are now starting to do credit checks as part of new applications.