Barclays blocked account

Olivetree2020

grumpy_codger said:

What does your husband say? Is he (unlike many young people) wise enough not to get involved in some money muling scheme?

100% only thing is I can think of is someone that’s paid him for work he’s self employed 

grumpy_codger

Olivetree2020 said:

grumpy_codger said:

What does your husband say? Is he (unlike many young people) wise enough not to get involved in some money muling scheme?

100% only thing is I can think of is someone that’s paid him for work he’s self employed 

Well, in this case he should have expected these payments and can prove/explain this to the bank. 

And how reliable is the client/payer? If it's some random person, there always is a remote possibility that a payment is made from some hacked account or somebody is scammed to make a payment. Or some dirty money is used to make the payment and Nationwide suspect that your husband's account is a part of money laundering chain.

Ergates

Olivetree2020 said:

Ergates said:

Olivetree2020 said:

grumpy_codger said:

Olivetree2020 said:

...my husbands Barclays account was blocked along with our joint account and savings account. My account is still fine and working.

...

Fast forward to today I received a letter addressed to me saying we have frozen your account (joint account) please get back to us regarding these transactions. ...there was two 1. For December 2 of £200 from source nationwide 2. For December 3rd of £300 source nationwide.

Instantly I checked my statements as NO money ever gets paid into this account apart from me and my husband from our Barclays account. 1 DD goes out of here and that’s it. Checked the statement nothing of them transactions nothing within 15 days of what they have asked for. 

I rang them today and asked what is this as this does not match up with what they have sent me, they said this is the reason my whole entire account has also been blocked due to these transactions but mine hasn’t. They mentioned my husband will also get the same letter regarding these transactions. 

I explained I have no idea what they are going on about, nothing on my statement what so ever which they confirmed is the case.

...

my joint account is back up and running with no info as to why this has happened husband account still blocked I don’t know what to do

How many Barclays accounts do you have between you? How many joint accounts? What exactly have you checked? What doesn't match up? What your statement has to do with this? Do you or your husband have accounts with Nationwide?

Emmia said:

They can't tell you or your husband why they've blocked the account due to anti money laundering rules. You just have to wait until the investigation is complete 

Smells likes some fraud at Nationwide to me. The amounts are too small to trigger AML.

hi, I personally have 4 accounts with Barclays and my husband has 3. I have two current accounts joined saver, joint account and my husband has personal account joint saver and joint account. We have checked all statements for every account. No transactions link up to what they are saying. One advisor even confirmed this, which I replied why was this letter and block sent out then? 

We do not have nationwide accounts  

They have unblocked my joint account with no explanation regarding the transactions they were referring to but still have my husband blocked due to internal reviews makes no sense! 

You keep referring to "my joint account" - what do you mean by this?  The joint account you share with your husband?  (i.e .it's the same one you referred to when you said he had a joint account?).

And when you say they've unblocked *your* joint account - can you husband also access it?  (As, presumably, it's the same account).

The transactions won't show up on your statements if they were intercepted and blocked in Nationwide (as they didn't happen).

Given your personal account was never blocked, and it was only the accounts where your husband was either sole  holder or a joint holder that were blocked, that suggests that the payment was due to go into one of your husband's accounts - probably his personal one.

In terms of communication:  If there is a money laundering or fraud investigation going on and they tell you about it, then they can be prosecuted and go to prison (for up to 7 years).  So they're not going to do that (would you?)

Well sorry for not being more clear. OUR joint account. 

Joint account is now unblocked. My husband still unable to access the app or online banking as his account is under internal review (no idea why) cannot see the joint account or nothings 

just concerning that they sent letter regarding the joint account for transactions that don’t exist and nothing to my husband regarding his account…

OK so that means that whatever the problem is/was is relates to your husband (which isn't so say that he's done anything wrong - just that he's the one who is under scrutiny.

And just to reiterate - the reason you cannot see the transactions in question is because they've been blocked, so they never hit your husband's account.  That you cannot see them doesn't mean they "don't exist" it just means they were stopped.

Hoenir

Olivetree2020 said:

grumpy_codger said:

What does your husband say? Is he (unlike many young people) wise enough not to get involved in some money muling scheme?

100% only thing is I can think of is someone that’s paid him for work he’s self employed 

Why haven't you asked him? 

eskbanker

Olivetree2020 said:

grumpy_codger said:

What does your husband say? Is he (unlike many young people) wise enough not to get involved in some money muling scheme?

100% only thing is I can think of is someone that’s paid him for work he’s self employed 

Does he use a business bank account for his self-employment activities, rather than a personal one?

sheramber

If he uses a personal account for business payments that could be the reason his access has been blocked. 

Olivetree2020

sheramber said:

If he uses a personal account for business payments that could be the reason his access has been blocked. 

Hi, he’s sole trader so not a legal requirement to have a business account. However we found out today that the transactions they mentioned was for the joint account is actually his personal account. But again do not match up with his statements for that period so god knows what is going on 

GTR_King

Well sounds like as he is a sole trader, you can’t use joint accounts, Did he use ur joint account for his sole trader work? Or his personal account?? 

Someone has sent him some money to the details he gave them!

Nationwide blocked the transaction due to e.g dodgy Money being sent or the details didn’t match E.G trying to pay a business to personal account which some banks don’t like which break T&C’s 

Your Husband need to read Barclays T&C’s show them all the details about the work he did & who was giving him the money! Once that’s done let them investigate,

They will the either close the account down due to breaking T&C’s or due to the money he received so check CIFAS for fraud makers or will give your husband an ultimatum open business account ASAP or risk it being closed 

eskbanker

Olivetree2020 said:
Hi, he’s sole trader so not a legal requirement to have a business account.

That's irrelevant - it's not about the legality of using a personal account for business, it's the fact that doing so breaches Barclays' terms (and those of any other personal account provider):

Your account is just for personal use

The terms in this booklet cover only accounts for personal use. They’re not for money relating to any business you run. We can close an account (or stop providing a service) if we find out you are using a personal account for non-personal use.

Hoenir

Olivetree2020 said:

sheramber said:

If he uses a personal account for business payments that could be the reason his access has been blocked. 

Hi, he’s sole trader so not a legal requirement to have a business account. 

While not a legal requirement. As far as Barclays are concerned it may well be a breach of the Terms and Conditions of his personal bank account. Which may well result in the termination of the relationship. As is their prerogative.