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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
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Hi everyone, I hope someone can help with this I am at my wits end!

 

Barclays have closed my account and say they are investigating due to breach of terms,

however there is £6500 in the account which I can't get access to or transfer to another account.

They won't tell me anything and say I cannot complain because I closed the account even though I didn't!

 

Background:

Last year I did some work as a subcontractor for a company and my wages after CIS deductions were paid into my Barclays current account,

 

after talks with them we agreed that I take over the full jobs (project manage and complete works with my own subcontractors).

I already had a separate ltd company so I started using this for the new work as a contractor, set up CIS, VAT, Corporation Tax etc. and obviously a separate bank account for the ltd company.

 

All was going well but then the company I was doing the work for went into liquidation, they set up another company the same day.

At the same time they paid three invoices for the limited company into my personal Barclays account (which they had on file) despite having the ltd company bank account details (which they had been paying into up to that point!).

I tried to transfer the money straight over to my ltd company account but the transaction was blocked.

 

I then got a letter asking me to come in to the branch and close my account due to 'breach of terms'.

I went into the bank and was told I couldn't close the account because there was now an investigation.

 

They would not tell me anything else but asked me to prove where the money came from, what it was for and why it had been paid into my personal account.

I took all my invoices in, along with a letter explaining the situation , a letter from the company I worked for and all my up-to-date Tax/VAT/CIS returns and statements.

 

All is above board, I run my company very carefully and I have never had any fines, debts or so on.

 

I was then told I would receive a letter within 10 days.

I didn't,

 

I went back in to the branch,

I spoke to the manager

she spoke to the investigations team

they wouldn't give any information

said it should now be resolved in two weeks.

 

The next day I got a large envelope containing all the bank statements from my account and a letter saying that these were for my records since I had closed my account = which I haven't done!

 

I spoke to them again and they said they couldn't help and I should hear something by 9th May!

I explained that I was trying to run a small business, this was money for my business and it was causing me a problem.

They said they couldn't help until they had concluded their investigation.

I asked what had happened to all the evidence I brought in and if they needed anything else and they said they couldn't discuss the matter!

 

I phoned the complaints department and stated my complaint about the treatment I had received and the fact that I couldn't access the money, they said I couldn't complain because the account was closed.

I asked who closed it because I certainly didn't and they didn't know.

I do not know what to do.

 

My business is relatively new and small, this money is a large chunk of my turnover to date.

I will soon have tax and vat to pay along with my subcontractors and materials.

I am managing at the moment but it is going to be a struggle.

 

I can't get anywhere with the bank either in branch or on the phone,

nobody will tell me what the hell is going on and they just keep adding more and more time on.

 

If anyone can help or point me in the direction of someone who can I would be extremely grateful.

 

I haven't done anything wrong, it was a mistake on the part of the company I work for that the money was put in the wrong account.

It just feels like I will never get this money back or an explanation of what the issue is.

 

Thanks in advance.

Edited by fkofilee
Spacing Added

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The 3 invoices paid were from the liquidated or new company?

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The 3 invoices paid were from the liquidated or new company?

 

One was from the liquidated company and the other two from the new company

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quite common for Barclays to do this sadly - they'll cite money laundering or fraud as the reason.

they'll have trash your credit file too.

 

stop using the phone or record your calls!

writing only!

 

get an sar running to them as well.


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Hi S&A and welcome to CAG

 

Anti Money Laundering Regs or maybe, if the liquidation happened in questionable circumstances, some sort of fraud investigation is going on.

 

They are always very tight-lipped and you'll be lucky to get any info from Barclays apart from the SAR response.

 

Can you say which bank was used by the liquidated Co.

 

:-)


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The bank for the liquidated company was Natwest.

Sending the SAR today, thanks for the advice.

Tightlipped is an understatement, they are giving nothing away and I can't even speak to anyone about it because they won't tell me who I need to talk too! The last straw was telling me they couldn't accept a complaint, it seems I am being blocked from every angle even though I haven't done anything wrong.

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“Tight lipped is an understatement”....

 

If the transactions have triggered concerns of money laundering, the law requires them to avoid “tipping-off” those concerned in the transaction that there is an anti-money laundering (AML) suspicious transaction report (STR)

 

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/271862/money_laundering_1_.pdf

Paragraphs 10 & 11.

 

Has there been a STR? Might this be an explanation?

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Sending the SAR today, thanks for the advice.

 

What address are you using for the SAR? The one on this website is different to what Barclays told me over the phone:

 

DSARS, 51 Saffron Road, Leicester, LE18 4US. I thought this was for Barclaycard, but they are adamant it's for Barclays personal and business account holders too.

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Barclays Bank PLC

Privacy and Data Protection

Radbroke Hall

Knutsford

Cheshire

WA16 9EU

 

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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When I applied for a Barclays SAR back in June I wrote to:

 

The Data Protection Team

Block 12

Barclays Bank PLC

Radbroke Hall

Knutsford

Cheshire

WA16 9E

 

They replied saying 'you've recently requested copies of telephone conversations. In order for us to retrieve these please provide the following information: the number you called, the number you called from, date and time of call).

 

That letter came from:

 

The Manager,

Barclays General Data Protection Regulation ( GDPR) Team

Barclays Bank Plc,

Privacy and Data Protection

Leicester

LE87 2BB

 

I wrote back saying there hasn't been any calls. (I should have said 'if there was I would have recorded them anyway :) ') They sent me paper docs on the 40th day. (this was pre- gdpr, so 40 days for SAR, now it's 30 days and you can request docs in electronic format, and they have to comply)

 

I think the most up-to-date address/email to use for SARS now is:

 

The Data Protection Officer,

Barclays Bank UK PLC,

Leicester,

LE87 2BB

 

email: DPO@Barclays.com.

 

the last address/email above is what's on their website: https://www.barclays.co.uk/important-information/privacy-policy/

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