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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

 

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 ...:mad2:

 

 

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

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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

 

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

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

 

It has happened before but only after a thorough investigation and it has been proved that the money came from an illegal act.

 

As the letter to you states, Lloyds are asking for evidence of where you obtained your money from, this is to satisfy UK law as Lloyds are duty bound to check that no financial fraud is or has taken place.

 

I cannot see this moving forwards in the short term unless you either supply Lloyds with the information that they have asked for (I know you stated that you are unable to do so and also not wanting to send your Insurance Statement) or the bank rejects your complaint and you then go to the Ombudsman.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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It has happened before but only after a thorough investigation and it has been proved that the money came from an illegal act.

 

As the letter to you states, Lloyds are asking for evidence of where you obtained your money from, this is to satisfy UK law as Lloyds are duty bound to check that no financial fraud is or has taken place.

 

I cannot see this moving forwards in the short term unless you either supply Lloyds with the information that they have asked for (I know you stated that you are unable to do so and also not wanting to send your Insurance Statement) or the bank rejects your complaint and you then go to the Ombudsman.

 

Stigman

 

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

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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

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Edited by honeybee13
Staff name and contact details removed.
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Hello there.

 

I've removed the name of the staff member and the contact details. Please don't post this on your thread.

 

HB

 

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...

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  • 1 month later...

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

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