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Everything posted by gerona

  1. You will get it back but it can take weeks - always better to spread your money between different banks just in case they freeze one account at least you have another one to use From my experience - Barclays froze my account for 90 days and then closed it I had to show where the money was from before they released it. Santander - just closed it and sent me a cheque with my money RBS - froze the account and transferred my money to a new account after about 14 days if they put you in the CIFAS register you won’t be able to get a new account so get a new account now while you can. They may close it as well so also try for a bank that isn’t a bank like transfer wise or currency fair. Anywhere that will allow you to accept and make payments good luck
  2. 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 CIFAS register. RBS have quite a few thousand at the moment
  3. I know it might not sound good - but I had no other account so had to use it for business
  4. 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
  5. I already know that I am on the CIFAS register (not my fault) but it was too stressful to fight the case so I would imagine this is the reason - the RBS 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
  6. I found out yesterday that RBS 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??
  7. That sounds promising - I have Halifax and RBS personal accounts - I'm hoping they are safe Barclays and Santander business accounts closed and been unable to open another high street business account
  8. I can't even get a basic account now. I can get a paid for account and I do already have a personal account which I am hoping won't be closed down. I've had two business accounts closed with no notice. When I read the information Cifas sent to me it says all they will do is check that Barclays followed the correct procedures. They probably did follow the correct procedures - somebody paid fraudulent money into the account - I'm the one now suffering for it. I've googled it and it happens to lots of innocent people
  9. What if I just ignore it all and stop paying anything to them - I'm already on the cifas register so my credit score etc is irrelevant for the next 6 years
  10. Ok thank you for that. As it's quite a new account will the DCA more than likely have an enforceable agreement.
  11. Hi - I'm looking for some advice. I am going to have to default on my barclaycard as I can't afford the minimum payments as my circumstances have changed. it was taken out in 2015 - will they take me to court and send the bailiffs round... Thank you
  12. Thanks for the replies so that's 6 years on the register. There I was with a really good credit score and then they do this to me which is worse than a terrible credit score. I hope they don't close my personal accounts as well.
  13. Can anybody advise how long I will remain on the CIFAS register. I have been put on the Cifas register by Barclays bank. The category used was aiding and abetting. I know I can try and fight it but it has caused me so much stress and time that I feel for my own well being I should just wait until it comes off the register. I am not a fraudster but had money paid into my account which I reported to the bank. As a result they closed my accounts and added me to the CIFAS register. Thank you
  14. Hello Can anybody advise me what to do. I had a credit card with Natwest in 2002. I got into problems and ended up on a Debt Management Programme about 10 years ago. All the creditors defaulted my accounts except for Natwest. As a result my credit file shows a report of 6 and this has been happening for the past 10 years. All my defaults have dropped off my credit score. I stopped paying anything to natwest so that they would have to default me but they have still not defaulted this account and report a 6 every month. My credit file is clear now except for this account. Is there anything I can do to get this information corrected to its correct status. I have asked the bank and they won't change it. Thank you
  15. Is there a letter I should use. I have a 6 on my report for the last 6 years and at the current rate it will take 7 more years to pay this off so I have at least another 13 years of the 6's being shown. How long does a 6 have a bad effect on my credit file? I live abroad so the court route is not that straight forward for them
  16. I have received a reply today from the complaint handler of nat west cards customer services and they say that they are unable to uphold my complaint: as it is a true reflection of the conduct of the account. They included a leaflet about the Financial Ombudsman service Any advice is appreciated. In the meantime I am going to stop all future payments so that they will have to default me and at least it will drop of in 6 years - unless advised otherwise that is Thanks
  17. I have posted the letter you kindly put on the forum for me. I live abroad so sent it by Special Delivery - it cost €21 but hopefully it will be worth it. Is there a time limit that they should work within?
  18. I am going to get this underway tomorrow. I have done myself no favors by making regular payments. I will stop payments so that they will have to close the account and default it. They may try and enforce it but this goes back to 2002
  19. I wonder if I can get them to back date the default, I am going back years here and now I wish I'd just not made any effort to try and pay this off. I will send the letter and if they don't do anything take a decision of the best way forward. I have read the information at this link and I think they should have defaulted me in 2006 http://www.ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf
  20. Thank you Brigadier Is a default much worse than these 6's
  21. I have checked my Credit Report and one of my accounts shows 6 years of late payments marked with a 6 for every month. This is a credit card debt that I could not manage to keep up the repayments. Anyhow they accept £50 every month and have frozen interest. I have phoned the credit card company today and they say that the 6 will be applied every month until the debt is paid off - that will take me another 7 years. If they had defaulted me 6 years ago this would have been off my credit file now but the way I'm going it will take me 13 years for it to fall off. Is there anything I can do to resolve the situation. I already think I should just stop paying because all those 6's cant be good for my record. I feel like just as I am about to make the final payment they would probably default the account anyhow. Is it much worse to have a default than all these 6's Thanks
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