Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 15 of 15
  1. #1

    Default Bank account closed without warning

    I found out yesterday that RBSicon have closed my account with no warning and they have said I can't get any funds out of the account.

    They say there is a letter on it's way - it leaves me in a bad way just a few days before Christmas.

    They told me to contact them in the New Year to see if there is any update.

    How long can they keep my money for?

    I had an old debt with Natwest going back 20 years - can they take this from my RBS funds??

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  2. #2

    Default Re: Bank account closed without warning

    moved to the RBSicon forum.

    had any large sums deposited of recent?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #3

    Default Re: Bank account closed without warning

    Welcome back to CAGicon - They may attempt to use the Right To Offset - But i am unsure if they are able to do so (Had this issue previously)
    Can you setup another account elsewhere / Do you have a parachute accounticon already?

    Have you had any transfer in or out recently?


  4. #4

    Default Re: Bank account closed without warning

    I already know that I am on the CIFASicon register (not my fault) but it was too stressful to fight the case so I would imagine this is the reason - the RBSicon was my spare account when the previous account was closed! I do have one other bank account that is still open and not linked to RBS
    I really need my funds back


  5. #5

    Default Re: Bank account closed without warning

    If you are on the CIFASicon register then this will be RBSicon seeing that and going - "Nope - We dont want you"...
    AS for funds - It depends on the situation - If these are your funds - Then technically they should arrange for full withdrawal providing their Fraud Team identify they are genuinely yours.


  6. #6

    Default Re: Bank account closed without warning

    Ok thank you - I can show where all the funds came from so I just hope they release them - what sort of proof will they want - contact details of everyone who deposited them? I have a lot of transactions


  7. #7

    Default Re: Bank account closed without warning

    Oh hang on a sec - Lots of deposits? ... That doesnt sound good.
    Not saying that youve done anything wrong but if you have lots of deposits, sometimes it can ring alarm bells...


  8. #8

    Default Re: Bank account closed without warning

    I know it might not sound good - but I had no other account so had to use it for business


  9. #9

    Default Re: Bank account closed without warning

    I understand that - So I see a few pointers here

    1 - You've breached the T&Cs of the account more than likely - A Current Account is for Consumers only - Businesses need to have a Separate Current Account
    2 - You have a CIFASicon marker... 'Nuff Said
    3 - Money sent to you may have come from an untrustworthy source
    4 - Debt oustanding to RBSicon Group

    Unfortunately the bank works under a veil for things like this... Part of Money Laundering Laws / KYC.
    How much is it that they have kept?


  10. #10

    Default Re: Bank account closed without warning

    So you got a CIFASicon marker from Barclays... So lets roll it back...

    What happened with Barclays?


  11. #11

    Default Re: Bank account closed without warning

    Somebody paid several thousands into my husbands business account - he informed Barclays and the police that it was an unexpected payment so they dealt with it. Result was account closed and we were put on CIFASicon register.
    RBSicon have quite a few thousand at the moment


  12. #12

    Default Re: Bank account closed without warning

    Right lets deal with Barclays. What did you do to deal with them?

    RBSicon - Well - I dont know what to suggest - Apart from sending a SARicon Request to them.
    You could complain to the CEO but we really need to try and sort this in some way.

    Thing is - We cant help you unless you tell us EVERYTHING.


  13. #13

    Default Re: Bank account closed without warning

    The bank have kept 40k


  14. #14

    Default Re: Bank account closed without warning

    which bank ??

    have you sent those SARicon's off yet?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  15. #15

    Default Re: Bank account closed without warning

    Its the RBSicon


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