it shows up on google search and undermines lloyds bank rating..

this account freezing business is very specific for UK banking sector..it looks like UK bank are using that provision 10x more than any other banks in other EU countries combined..around 400 000 accounts gets frozen by UK banks ...no other country does that in such numbers .I had very bad experience with LLOYDS Bank..my advice LLOYDS/BARCLAYS/are the worst ..if you have bank accounts with them my advice is to close them ASAP and move your money elswhere

final update.. I managed to close all of my accounts with lloyds bank isle of man last week..my accounts got unfrozen after months of ''investigation ''first by banks own ML team of ''investigators'' and later by iom financial police (I got reported to them by the bank for god knows what ) but financial police gave green light for my accounts to be closed and funds released..FINALLY .my 3 months ordeal came to a conclusion...hope nobody else from this forum ( past present and future) would have the same experience as i did ..it was by far one of the most traumatic things I had to pass through ..and for what???..no apology or explanation was given by the bank..my advice ..keep the money invested and away from uk banks on shore or off shore..it looks like banks in Uk are getting paranoid way more then any other banks in eu or even us..from what I gather onthe internet they report on average 400 000 customers a YEAR FOR MONEY LAUNDERING !!!..which results in only about 1000 cases of actual prosecution and even from that number only few hundred cases actually gets confiscation order by the court ..its just complete waste of time and resources anyways .. .I would like to thank David Winch forensic accountant for his expert advise and patience for responding to all my e mails /questions and Paul Gosling from INDEPENDENT( your money) for getting in touch with lloyds bank in my behalf and investigating my problem ..well now.if anybody needs any advice in the case their accounts gets frozen by any uk bank feel free to send me PM for info and what to do in such situation..also I would like to thank all of you from this forum for advise or comments...cheers

ok sorry update ..I did ask for deadlock letter final response...also all of sudden they allowed me to close one of my accounts (granted it was only 20 pounds on it but it was my ''main account '' for more then a decade...also I got some money out from another account ..one account is firmly blocked ..I asked for my accounts to be closed with grace period so I can arrange transfer out of off shore accounts ..waiting for replay..all this shows how arbitrary is the whole process and with clearly no purpose..they picked me and now they have no clue what to do further ..its more then obvious...wander what ombudsman would make out of it ..Im definitely chosen for EDD and referred to safety and security team of the bank ..now I think they have to close investigation or send all the documents to prosecution...some guy at the bank told me that my account is not blocked but rather restricted so every transaction need approval of the certain female [person who is in charge of SS team ...my complain has probably made them angry...but hey simply there is no transaction except that one in december they can single out as something against their rules ..I checked with the bank and they said I was in my right to use cash and cash point machine to make deposit but they do have the right to ask for source of funds ..again I wander what ombudsman can/will/would do..my complaint is that they wont allow me to close my accounts and they conduct never ending investigation ..not to complicate the issue for them at all...still hoping that lloyds would simply juts close my accounts and we part our ways ..again I have to say my on shore accounts working with no issue...

Dear Mr Rodici As per my previous communication, we recommend you seek legal advice. Regards xxx Deputy Manager, Banking Operations, International Wealth, Lloyds Bank International Limited 2nd Floor, PO Box 12, Peveril Square, Douglas, Isle of Man, IM99 1SS Office: Peveril Buildings Working Hours: Monday to Friday 9.00 – 17.00 (UK) Email: this is the mail I received by the manager who blocked my accounts ...I dont know what he means by legal advice...I called FSO they told me I should get that final response ..but they also said if the bank decide to confiscate money they cant do nothing about it its ''commercial'' decision of the bank (what commercial decision could be and what that means ??) ...it looks like bank is gonna take all my money ...they angle on that I think...just because of few hundred poundsCall Send SMS Call from mobile Add to Skype You'll need Skype CreditFree via SkypeCall Send SMS Call from mobile Add to Skype You'll need Skype CreditFree via Skype

Stigman thank you again. .I did actually send my insurance policy -the first one I got from my insurance company. .Im planning to expand it with LLOYDS money. ..(hopefully if they allow me to get my money back). ..as of first thing I was searching for some documentation but the best I have is my old bank statement from my country -it goes back to 2008 and shows substantial amount of money on my accounts back home. .I did close that account last year and cash I brought to UK originates from that account . .its just Im bed ridden and can not go to the bank and ask them to search my records ...this situation has killed me totally. ..I'll wait for the bank and their final response ..you said it will be written and sent after 8 weeks? If I understood correctly

is there a chance that bank might take my money /confiscate for ever ?..did that happen to anyone before?

thank you for your advise ..yes indeed its taking way too much time maybe they are investigating lots of transactions on some other accounts ?.. .but as I mentioned my accounts are in effect unused ..funny thing is that my on shore accounts are working ..no problems nor limits on them..funny that. .I called and asked is there any problems with my on shore accounts manager told me not at all ..no notes no investigations no complaints. .again I have to stress out that I been banking with lloyds close to 25 years now and almost 15 years for off shore accounts ..crazy ...if they think that few hundred pounds put on off shore account is money laundering worth reporting then I think this world is getting better. .I mean I understand that they supposedly should report all activity which might be of suspicious nature but my low 5 figure non active accounts with no money traffic for decade.. to punish me like that ... I will decide this week on how to proceed. .this is mentally taking a big toll on me . .lost a lots of weight (good thing ). .can't sleep..(bad thing )..etc

ok I got response of sort...nothing new was said I write further to your email dated 4 March 2016 and your subsequent letter received 14 March 2016, as your complaint has been referred to me. I have completed my investigations and I am now in a position to advise you of the outcome as follows; Firstly, it is always a matter of concern when a customer feels the need to let us know about a service that has not been of the standard both you and I would expect. Our aim is to provide the highest level of service to all our customers and I’m sorry you feel we failed to achieve this in this instance. It is my understanding that your complaint is in relation to a restriction on your account, which is at present going to result in cheques you have issued to your own account in S, to cover insurance policies, to be rejected. Furthermore, I am aware this restriction has also caused a payment between your Lloyds Banking Group Accounts to be redirected. As you have been advised by my colleague S, we are currently looking into why the account has a restriction on it. Unfortunately, we do not have a timescale for how long this investigation may take, although I would like to assure you that we are doing our best to ensure this is done as timely as possible. I am aware that S has previously requested documentation to support the origin of the monies deposited to your account ending *****560 in December 2015, however I understand from your correspondence that you do not have this documentation. Please be advised that this information has been passed to S, for his record. In relation to the cheques you have issued from your Sterling International Account, S has advised that he recommended you consider issuing cheques directly to the insurance companies from another account. I am sorry for any inconvenience his has caused you. The payment you advised was redirected, was returned due to the restriction on your account. I hope this clarifies matters for you. I appreciate that this is not the response you had been hoping for. I would like to reassure you that someone will be in contact with you in due course with regards to the investigations into the restriction on your international accounts. I do hope you feel that we are doing our best to resolve your complaint, but if you are not happy with our response for any reason, we did send you a copy of our leaflet ‘How to Complain’ which gives you details about what to do next. If you did not receive it or you would like another copy please call us on the number at the bottom of this email. If you are not satisfied once the Bank's complaint procedure has been completed you may refer your concerns tothe Isle of Man Financial Services Ombudsman, Government Buildings, Lord Street, Douglas, Isle of Man, IM1 1LE. Telephone: +44 (0) 1624 686500. Should you decide to make an approach, you will need to be issued with the Bank’s final response. I am obliged to advise you that a complaint has to meet certain criteria to be eligible to be taken on by the Financial Services Ombudsman. Their legislation and rules that set out officially what complaints they can and cannot look at are complex and not something I can detail in my letter. You always however, have the right to refer to them and they will let you know if your complaint falls within its jurisdiction. Yours sincerelyCall Send SMS Call from mobile Add to Skype You'll need Skype CreditFree via Skype

only question ''they''are asking was where I got the funds .. I explain that I they have a proof for it (treasury bond-money market call account long term deposit which I opened with them about 15 years ago. I been banking with the same bank for 23/24 years so they can follow my savings through 3 DECADES with no problem -theu can get all the info when and how I got paid ...so thats that ... second thing is they keep asking me where I got around 700 pounds I put on my off shore account in december last year..I told them the truth that I exchanged some euros in pounds and later left over money just deposited into my account ..not thinking anything about it ..apparently thats some kind of big deal and they ask me 4 TIMES for proof where those fund came from... now after 4 months I simply dont have receipt for it and money came from account i closed long time ago in my country...so I guess I money launder around 700 pounds .. I told them that they got my consent to confiscate those funds and lock me up (call the police on me )..they have my address on record so it would be easy to catch me ... in last mail manager of the bank mentioned that maybe my dead mothers name on one of the joint saving account is causing problem and has to do with my accounts being blocked (that account has 21 pound on it )so I guess I tried to defraud my own dead mother for that money and use it without her consent...that also I think is serious crime ... I admitted to that crime also in my mail responding to managers mail..so you see I'm helping them by confessing all my crimes ...problem is that we came to the end of the crime list I can confess to.. what now???

any advice?

they are asking the same questions over and over and over again.. there is one manaaer which is ''dealing'' with my account ...by chance I put some cash on off shore account last year in december and he asked like 4-5 times for proof of those funds where they came from etc ..its total of maybe 700 pounds in 2 transactions probably even less ...like thats a big deal .. he kept saying that he needs to know how I obtain those funds like from gods know what kind of shady deal..I told him I exchanged some euros at the bank and later before leaving uk I just put them in the bank at thats that ...did not keep the record of it after 4 months simple put it I dont have it ... and then he said that another issue could be that my dead mothers name is one of the account (i had joint savings account with my mother today that account has 21 pound on it )like thats causing all this mess.. he kept referring to some department which is conducting investigation about my accounts which I think is a lie ..and kept saying that he is passing to them all the info ...and that he has no idea whats going on ''in there''.. mind you my accounts had less then 200 transactions in the last 14 years between them and all within lloyds banking group...never had large transfers outside lloyds into off shore accounts actually last such transfer was like 10 years ago... I did complain on line and to st Heliers office ..I'm yet to hear from them ..on line complain led to nowhere ..made official request to close bank account ... I made some comments about lloyds banking group on some forums telling people to avoid them ...was that a mistake?

man this guys are mean..I MEAN MEAN..LLOYDS is a whack bank

my off shore lloyds bank got blocked as well ..no reason given..nobody knows what the issue is ...money laundering ?..I had no transaction to those accounts for years ...in or out ..got some money in maybe few hundred pounds all in all..very strange ..

oh I forgot to mentioned that Im not citizen of any of EU countries /I m not UK citizen -never was one nor was I permanent resident of UK and never been one ,never worked in UK and last time I was in UK physically was last year after 18 or so years between 96 and 2015 I wasnt even in UK . .last year I came over to ''see'' some lady I met on FB and we kind of clicked but ended up pretty bad . ...also In my country Im not consider to be tax evader if I keep money offshore I can actually transfer alll the funds back home and no one will be asking any questions because its low amount and divided by the years I been saving it it comes less then average income . ..as I mentioned my off shore accounts manly remained dormant for decade with no activity .

thank you you been of great help and support...regarding court action..that would happen outside UK for sure and with all legal help I can get ...I might get lucky and get somebody for fairly reputable law firm to take the case on a spec for cut of the profit //settlement (Im counting to get out of this much more than just my savings if the things go that way )not too happy about it but considering how much problems health wise this created for me and how much stress they put me through for nothing I think is only fair that someone should pay damages as well..

STIGMAN I did wrote the letter as you advise me earlier and posted it today with all my contact info and brief summary of events ...again thank you for that ..I wrote and posted it to ST HELIERS office at JERSEY ...you were right about that being a head office of course ..I even noticed that one payment I send got sent back by JERSEY branch back to my account (one person who answered my phone call at lloyds call center confirmed this )..so they hold the key of all this KAFKAESQUE kind of process ..will inform you in due time whats going on ..hope outcome will be positive but I think it smells more like court case etc ..and a lots of aggro for no reason...my mistake ..I was advised to switch banks long time ago since lloyds become complete waste but I guess I was stupid enough to stick around out of laziness....

thank you !!!..got some mail back from the branch manager but nothing new he said he has no idea whats going on with my account ..is that really possible ?..but allegedly it will look into that asap..I can only keep pulling my hair and gulping down some medicine ...always asking for some new info but then totally ignoring my replays ..asking for something else ..looks like he is wishing for something and its frustrated he can find anything (I mentioned my accounts being dormant for a decade )..really strange bizare even..could be that they doubt my ID ?..but nobody is asking any questions about my say passport ..they didnt ask for a copy or scan or something ......maybe it will be the best if they can just say ok we take your money and forget about it ...I think honestly I would sleep better if I knew it got stolen by the bank...

STIGMAN your words are gold ...just If you can tell me or advise me on few things ..who is the REGULATOR for banking at ST HELIERS/LLOYDS and how can I get in touch with them if the need be and also is LLOYDS OFF SHORE part of the LLOYDS BANKING GROUP or separate entity ? ps maybe its a good sign or whatever but my LLOYDS on shore accounts are working with no hitch..I can shift money around no problem except I dont have much on those

I thought so too but I didnt even use that account for almost a decade..no payment in or out no international transfers no payments coming in to that account etc ..really strange account was idle ..could not figure out what to do with that money after my mother died ...

does anyone have any kind of experience with LLOYDS OFF SHORE banking..such as limited account .suspended account I posted separate thread but maybe its not very visible .got a good advice from STIGMAN ....

Thank you STIGMAN this is good advice in the right moment ..wrote the letter and sending tomorrow morning ..hope it will have some kind of effect ...I wanted to ask you can I reach somebody by phone at ST HELIER?..maybe some kind of customer service etc ...also maybe you or somebody else on the forum knows is there any way to start some kind of court case and reclaim the money through court if they refuse to unblock the account ...I can maybe open a court case in US?? I can see they have LLOYDS group there and assume that LLOYDS OFF SHORE is part of the same group so I can go after my money there

Hope this forum is still active and I can get some answers Im not getting any kind of help from LLOYDS OFF SHORE except run a round on the phone which is becoming tiresome... .in the nutshell Im old LLOYDS customer with about 24 years . .last 16 years off shore bank account also.. Im not UK citizen nor do I pay UK taxes.. .I just happene to open LLOYDS account while I was brifly living in UK and later just continue to use it .. .till recently I did not have much of a problem with LLOYDS OFF SHORE on ISLE OF MAN because I did not really touch those funds there ..I did not need to. .I was mostly working and funds kept on off shore account where just sitting idle . .till this december when I decided to move all the money to INSENTIVE MONEY SAVERS ACCOUNT . ..about month after that action I received mail from manager of the branch I guess asking me where are all those funds came from. .I replayed that he can check my account history and that all will be there ..money came from OFF SHORE MONEY MARKET CALL ACCOUNT a,d that I simply shifted funds around off shore and on shore accounts searching for best interest rate. ..second question he had for me was bit strange ..well it appears that at one point whili wisiting UK last december I put cash money on my off shore international account . .not much maybe 640 pounds all in all but he asked me about the receipt and proof from where that money came from. ..I told this the truth that I dont remember anymore and that I did not keep the slip nor bank statement ...all in alll I thought that he understood the situation and that s the end of the matter but .. a=one month later I decided to pay some insurance premiums back in my country I made a transfer back from SAVERS ACCOUNT to INTERNATIONAL PREMIER account si can write cheques to mu insurance company. ...I wrote one check no problem and then I wrote 3 more on smaller amount -in my country I can not deposit large cheques on bank accounts I had to break the amount on 3 smaller cheques ...well one of those actions triggered my accounts to be blocked /suspended and placed under investigation .. .now same manager is asking again about those 640 pounds bill and source of money and also he is asking in advance to see my insurance policy before I even paid for it . ..really strange and I should say bordering on harassment . ..does anybody here on this forum has any idea what happened to me , my accounts and where the problem is. .oh just for the general info my account is rather modest 5 figure amount nothing fancy its just at the moment all my money . .all my saving since I wasnt really working last few years due to illness