Isle of man off shore account

[KOLJA RODICI]

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

[Stigman]

Hi & Welcome to CAG,

 

I used to live in the Isle of Man.

 

The Lloyds branch in the Isle of Man is just a puppet branch, if you continue to ring, your complaint will only fall on deaf ears, you need to direct your complaint in writing to the offshore head office in Jersey.

 

Lloyds Bank International Limited, P.O. Box 160, 25 New Street, St. Helier, Jersey, JE4 8RG

 

Stigman

[KOLJA RODICI]

Hi & Welcome to CAG,

 

I used to live in the Isle of Man.

 

The Lloyds branch in the Isle of Man is just a puppet branch, if you continue to ring, your complaint will only fall on deaf ears, you need to direct your complaint in writing to the offshore head office in Jersey.

 

Lloyds Bank International Limited, P.O. Box 160, 25 New Street, St. Helier, Jersey, JE4 8RG

 

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

[KOLJA RODICI]

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 ....

[BazzaS]

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

 

IF (and it is by no means certain, but is a possibility) they are checking it isn't money laundering : don't expect any response while they investigate. They wouldn't want to risk being prosecuted for "tipping off".

[citizenB]

Kolja, I have merged both your threads into one - it seems you now have some responses.

[KOLJA RODICI]

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 ...

[Stigman]

Do not phone, keep everything in writing, that way you have a full papertrail of events.

 

If Lloyds reject your complaint, you can then go to the regulator for adjudication.

 

Stigman

[KOLJA RODICI]

Do not phone, keep everything in writing, that way you have a full papertrail of events.

 

If Lloyds reject your complaint, you can then go to the regulator for adjudication.

 

Stigman

 

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

[Stigman]

You cannot go to the regulator until Lloyds have either rejected your complaint or have not responded in to your complaint for eight calender weeks.

 

If LLoyds acknowledge and reject your complaint the letter that Lloyds sends you will also have details of which regulator they use.

 

If no response then one of these will regulate Lloyds...

 

Channel Islands Financial Ombudsman

PO Box 114

Jersey

Channel Islands

JE4 9QG

 

The Financial Ombudsman Service

Exchange Tower

London E14 9SR

 

Keep everything in writing for complaints because you can then send copies of all correspondence to the regulator.

 

Stigman

[KOLJA RODICI]

You cannot go to the regulator until Lloyds have either rejected your complaint or have not responded in to your complaint for eight calender weeks.

 

If LLoyds acknowledge and reject your complaint the letter that Lloyds sends you will also have details of which regulator they use.

 

If no response then one of these will regulate Lloyds...

 

Channel Islands Financial Ombudsman

PO Box 114

Jersey

Channel Islands

JE4 9QG

 

The Financial Ombudsman Service

Exchange Tower

London E14 9SR

 

Keep everything in writing for complaints because you can then send copies of all correspondence to the regulator.

 

Stigman

 

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]

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

 

Looking into it is clearly not good enough, you need dates of closure, as the Manager has failed you I would now escalate this to a full written complaint.

 

Stigman

[KOLJA RODICI]

Looking into it is clearly not good enough, you need dates of closure, as the Manager has failed you I would now escalate this to a full written complaint.

 

Stigman

 

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....

[Stigman]

will inform you in due time whats going on ..hope outcome will be positive but I think it smells more like court case etc

 

Please keep us all informed of your outcome, but before Court action I would take it to the regulator and also always seek professional advise before issuing Court action against such a large organisation.

 

Stigman

[KOLJA RODICI]

Please keep us all informed of your outcome, but before Court action I would take it to the regulator and also always seek professional advise before issuing Court action against such a large organisation.

 

Stigman

 

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..

[KOLJA RODICI]

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..

 

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 .

[KOLJA RODICI]

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

[Stigman]

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

 

Any update on your complaint?

 

Stigman

[KOLJA RODICI]

Any update on your complaint?

 

Stigman

 

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?

Edited March 15, 2016 by honeybee13
Name removed and paras

[KOLJA RODICI]

they are asking the same questions over and over and over again..there is one manager (name edited by site team )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?

 

any advice?

Edited March 15, 2016 by honeybee13
Manager's name removed.

[honeybee13]

Hello there.

 

What questions are they asking please? Do you think they could be in connection with the EU money laundering regulations?

 

If it is, then they don't have any choice and it would be easier for you if you help them.

 

HB

[KOLJA RODICI]

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???

Edited March 15, 2016 by honeybee13
Paras.

[Stigman]

Sorry for the delay in getting back to you.

 

You said you made a complaint in writing, if they reject your complaint then take it to the ombudsman.

 

Your complaint letter should be short, precise & cover the points raised above.

 

You will then receive a letter from Lloyds saying we are sorry you complained etc. and then will set out the rules in which they are governed, how the complaint process works and which regulator to complain to if they either reject your complaint or fail to respond within 8 calender weeks.

 

Once the above is done, take it to the regulators, stop talking to them on the telephone because if it is a complaint, the phone monkey will not help or advise you and will not log it as a complaint so everything has to be done in writing.

 

Stigman

[KOLJA RODICI]

Sorry for the delay in getting back to you.

 

You said you made a complaint in writing, if they reject your complaint then take it to the ombudsman.

 

Your complaint letter should be short, precise & cover the points raised above.

 

You will then receive a letter from Lloyds saying we are sorry you complained etc. and then will set out the rules in which they are governed, how the complaint process works and which regulator to complain to if they either reject your complaint or fail to respond within 8 calender weeks.

 

Once the above is done, take it to the regulators, stop talking to them on the telephone because if it is a complaint, the phone monkey will not help or advise you and will not log it as a complaint so everything has to be done in writing.

 

Stigman

 

 

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.

 

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Edited March 17, 2016 by honeybee13
Staff name removed.

[Stigman]

After having a read of your letter, Lloyds are giving you three choices, submit evidence of where the money was obtained to close the investigation immediately, await for the investigation to be completed with no completion date or ask for a deadlock letter and refer to the regulator.

 

If you take this complaint to the ombudsman, I have checked the Isle of Man Financial Ombusdman website and it does state that complaints can take up to six months to investigate and complete so do not expect a quick resolution to this.

 

No reason why this is taking Lloyds this long, they have all of the data instantly available, because Lloyds have not giving you any date to the outcome of your complaint I would be inclined to ask Lloyds for a deadlock letter and refer to the ombudsman.

 

Stigman