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Halifax has present admitted they 'didn't get this right' and apologised to the OAP
- Sayan Bose, Foreign News Reporter
- Published: 0:12, 30 Sep 2024
- Updated: 0:12, 30 Sep 2024
A BRIT OAP was refused entree to his ain slope relationship and was "treated similar a criminal" earlier being turned distant from a Halifax branch.
David Drew, 90, was near outraged aft helium was told helium couldn't spot the section subdivision manager.
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The retired shipping and cruise enactment idiosyncratic feared helium would not beryllium capable to wage his £5,600 monthly fees for his attraction location successful Southampton, Hants.
Mr Drew has 2 savings accounts with the slope which person remained untouched for 30 years and near him with a important sum of money.
Having emptied his different accounts astatine different banks including Barclays, to wage for his spot astatine Oak Lodge Care Home, helium yet had to dip into these savings.
Without having had immoderate issues anyplace else, Mr Drew was shocked to larn helium could not entree his Halifax funds owed to his passport and driving licence being retired of date.
Speaking aft the ordeal, helium said: "It's information gone mad.
"I’ve worked for 48 years of my beingness and I consciousness similar I’ve done my bit.
"But present I consciousness similar I’m being treated similar a transgression erstwhile I haven’t done thing wrong.
"I don’t get retired excessively overmuch arsenic I’ve not been precise good and I don’t spot the request successful having to update my passport erstwhile I’m ne'er going to usage it again.
"The full happening has been precise stressful."
Attending with a carer, helium asked to spot a manager but was told determination were nary available.
Despite being assured they would telephone him back, they did not prime up the telephone for days - leaving him stressed.
Our water, energy & state is being unopen disconnected to unit america retired our homes for ‘repair works’ - we’ll beryllium gone for MONTHS with obscurity to go
He continued: "It was astir 2 weeks, and I didn't perceive anything, I deliberation it’s truly mediocre and I’ve been disappointed by their full attitude.
"I’d person liked them to beryllium a spot much knowing and to assistance me.
"I offered them the accidental to telephone the attraction location to get my recognition verified but they conscionable didn’t look interested.
"I deliberation I tin conscionable astir marque my outgo for next period but past I don’t cognize wherever the wealth is going to travel from."
Halifax has present admitted they "didn't get this right" and since moved his savings into his existent relationship and agreed to wage him compensation for his troubles.
The slope adjacent apologised to the pensioner
A spokesperson said: "We’re atrocious we didn’t get this close erstwhile helium archetypal contacted america and volition beryllium making a outgo successful designation of this."
Banks don't person to explicate wherefore they're closing your account
UNDER existent rules, banks don’t ever person to explicate their reasons.
Guidelines for banks say: "You don’t person to explicate to a lawsuit wherefore you've closed their account, but it tin beryllium adjuvant to bash so."
The Government wants to bring successful caller rules forcing banks to springiness relationship holders 3 months’ announcement earlier shutting their accounts and supply an explanation.
But adjacent past this wouldn't use wherever the slope suspects fraud.
Even now, it's inactive worthy asking your 1 to explicate its determination arsenic it has a work to dainty you fairly.
You tin constitute to them saying you privation to marque a "subject entree request" to find retired much accusation astir wherefore you’ve been ditched.
Why mightiness my relationship beryllium closed?
Your slope could determine to dump you simply due to the fact that you don’t conscionable its presumption and conditions.
For example, erstwhile you signed up you mightiness person agreed to wage successful a definite magnitude each period oregon to acceptable up several nonstop debits.
In this benignant of situation, the slope would request to springiness you astatine slightest 30 days’ announcement truthful you tin determination your wealth elsewhere.
Which? Money exertion Jenny Ross says: “Under immoderate circumstances, banks are allowed to adjacent accounts without announcement and without providing a reason.
“This includes suspected fraudulent usage of the account.”
Your slope could enactment an immediate frost connected your account if it sees spending oregon ample transfers successful oregon retired that look suspicious.
It mightiness artifact wealth from leaving your relationship to assistance support you if it’s disquieted that you’ve fallen unfortunate to fraudsters.
Similarly, if a ample magnitude of wealth is received, it mightiness fishy you’ve been caught up successful a money-laundering operation.
Fraudsters tin manipulate customers into becoming alleged wealth mules.
This means that they mightiness beryllium helping crooks to determination astir currency earned from crime without adjacent knowing it.
Sometimes victims judge they are helping retired a person oregon that they are being paid for a occupation that seems legitimate.
After putting a impermanent frost connected your account, the slope volition past analyse much thoroughly.
If it's inactive unsatisfied aft this, it tin permanently adjacent your account.
What should you bash if your relationship is closed?
It's important to effort to find retired if determination are immoderate problems that mightiness person triggered the closure.
For example, it mightiness beryllium that crooks have stolen your identity and applied for loans successful your name.
Start by moving a escaped recognition cheque done a work similar moneysavingexpert.com’s Credit Club, Credit Karma oregon Clearscore.
It's champion to effort each 3 if you’re acrophobic successful bid to screen the 3 main credit agencies that support records of your fiscal dealings.
The reports should assistance you spot if determination are immoderate accounts that you don't recognise.
If you’re disquieted that your relationship mightiness person been flagged arsenic suspicious, you tin besides use to two fraud-fighting organisations — Cifas and National Hunter - to find retired what accusation they clasp connected you.
When you write, accidental that you would similar to marque a "subject entree request".
If you’re not blessed with the mode your slope has treated you, marque a complaint.
After 8 weeks, if the slope doesn't respond oregon if you’re not satisfied, you tin instrumentality your ailment to the Financial Ombudsman Service (FOS) for free.
If the FOS agrees that you've been treated unfairly and you tin beryllium that you person mislaid retired financially arsenic a result, you mightiness beryllium able to get compensation.
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