UK Law

Get UK Law Questions Answered by Verified Experts

Ask an Expert,
Get an Answer ASAP!

UK Law
This answer was rated:

A friend of mine had her account frozen by Barclays after…

A friend of mine...

A friend of mine had her account frozen by Barclays after she received transfers from the same client (who has visited the branch to confirm legitimacy) within a period of several hours. They subsequently sent her a letter telling her that her account had been terminated with no reason. She spoke with their Fraud department on Saturday and was told that in order for them to release the funds she had to send them proof that they were legal including invoices etc. She is very upset as obviously no funds, and presumably will have been put on some sort of black list. I understood that banks were obliged to return funds unless there was a court order. Should she just email requiring th

Lawyer's Assistant: Because consumer protection law varies from place to place, can you tell me what state this is in?

United Kingdom

Lawyer's Assistant: What action has been taken so far? What's your ideal outcome?

Release of the funds obviously and clarification of whether they have taken any action that will prevent her opening an account elsewhere

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

No I don't think so. Thank you

Show More
Show Less
Ask Your Own UK Law Question
Answered in 6 minutes by:
11/13/2017
Jo C.
Jo C., Barrister
Category: UK Law
Satisfied Customers: 70,928
Experience: Over 5 years in practice.
Verified

Thanks for requesting me but this is not my area.

I'll opt out.

Ask Your Own UK Law Question
Jamie-Law
Jamie-Law, Solicitor
Category: UK Law
Satisfied Customers: 6,141
Experience: Solicitor
Verified

Hello my name is ***** ***** I will help you with this.

What is do you want to ask about this today please?

Ask Your Own UK Law Question
Customer reply replied 3 months ago
Basically what are the bank entitled to do in the absence of any court order (which I presume she would have been told about)? Surely they cannot just retain her funds at their discretion? Many thanks
Customer reply replied 3 months ago
I don't really know enough about the detail of the case to provide much further information. I'm told that she was doing events management for a party that kept being extended through the night, as a consequence of which £7,000 was transferred in stages. She is registered with HMRC and pays tax, but bank clearly thinks something amiss. Can they also be required to advise if they have red flagged her with CIFAS?

Were these unusual transfers?

Ask Your Own UK Law Question
Customer reply replied 3 months ago
More than she’d usually be receiving certainly - the client kept asking to extend for hours past the originally agreed closing time and so she charged him through the nose. He went into branch with her to explain with his ID and bank statements when the account was first suspended.

Did she tell the bank before the transfers happened?

Ask Your Own UK Law Question
Customer reply replied 3 months ago
No, it was in middle of the night but I gather transfers - presumably of lesser sums in aggregate - were common. Unsure what usual pattern was. Maybe I should ask her details of that (previous month?) and send to you. Could also ask her to liaise direct rather than me being piggy in middle, although English is not her first language and she tends to fly off on tangents that aren’t pertinent.

Yes, if you can ask her to log in and chat to me here.

If she can let me know when she is online.

However after reading money laundering regs, it wont necessarily be good news.

Ask Your Own UK Law Question
Customer reply replied 3 months ago
I thought that might be the case re regs. She’s going to branch tomorrow to ask for statements and will let you have the last month’s details so that you can consider first. Very grateful for help. Not entirely clear about cost. This is obviously taking a lot of your time. Will send account info when I get it

Sure

Ask Your Own UK Law Question
Customer reply replied 3 months ago
Apologies for the delay, but my friend has been to her branch and obtained copies of statements to cover the three months prior to the closure of the account. Would you like to see all of those in full or an excel summary of payments in/out over a certain limit?

No thats ok. So its been closed, not frozen?

Ask Your Own UK Law Question
Customer reply replied 3 months ago
It was frozen, and then they closed it.

Ok. She needs to write and make a formal written complaint to the bank.

They will investigate this and come back. If they do not uphold the complaint then and only then can you complain to the Financial Ombudsman.

They regulate banks and offer a free, independent service at: www.financial-ombudsman.org.uk

That should resolve the matter for you.

Can I clarify anything for you about this today please?

If not, I would appreciate a 5 star rating for my answer. Thanks!

Jamie-Law
Jamie-Law, Solicitor
Category: UK Law
Satisfied Customers: 6,141
Experience: Solicitor
Verified
Jamie-Law and 87 other UK Law Specialists are ready to help you
Ask your own question now
Customer reply replied 3 months ago
Thank you very much. I think that concludes matters and I'll be happy to give you a five star rating.Guy
Ask Jamie-Law Your Own Question
Jamie-Law
Jamie-Law
Jamie-Law, Solicitor
Category: UK Law
Satisfied Customers: 6,141
6,141 Satisfied Customers
Experience: Solicitor

Jamie-Law is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks!

RickLeeds, UK

I did not know a French Law service existed and I was very impressed with the speed of reply --- very professional. Many thanks!

Ms. BakerAlfafar, Spain

Thank you so much for your help. Your answers were really useful and came back so quickly. Great!

MaggieUSA

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

I couldn't be more satisfied! This is the site I will always come to when I need a second opinion.

JustinKernersville, NC

< Previous | Next >

Meet the Experts:

Ben Jones

Ben Jones

UK Lawyer

9,196 satisfied customers

Qualified Solicitor - Please start your question with 'For Ben Jones'

INC

INC

Solicitor-Advocate

3,868 satisfied customers

LL.B, Pg.Dip, LL.M, M.B.A (Pending), Solicitor-Advocate. UK Practising Certificate issued by SRA., DIFC Courts Registered (Dubai)

Jenny Mackenzie

Jenny Mackenzie

2,756 satisfied customers

Over 10 years experience in general legal matters

Matthew J

Matthew J

Solicitor

334 satisfied customers

4 y PQE (Partner) - Commercial / Residential Property & Property and Civil litigation experience

James Mather

James Mather

7,349 satisfied customers

Senior Partner at Berkson Wallace

Clare

Clare

Solicitor

9,490 satisfied customers

family solictor with 25 years experience

Thomas

Thomas

Lawyer

2,176 satisfied customers

BA (Hons), PgDip, Practising Solicitor

< Previous | Next >

Related UK Law Questions
How do I get my adult son to leave the house. Hertsmere,
I have asked him several times to leave, he often threatens that he would leave and I will never see him again but it has been going on for 5 years, His attitude is becoming very difficult for me … read more
Thomas
Thomas
Lawyer
Bachelor's Degree
2,176 satisfied customers
Im involved in a case were I've been acussed of hitting my
Im involved in a case were I've been acussed of hitting my daughter I've been in for a interview under caution etc but I'm fed up of waiting around what will happen now … read more
Jo C.
Jo C.
Barrister
70,928 satisfied customers
Kind of a story but a friend and I went to a 10 day sailing
Kind of a long story but a friend and I went to a 10 day sailing certification in the BVI and we were led by our skipper on a "short 10 min hike" through a remote island and it ended up being like an … read more
Michael Holly
Michael Holly
Bachelor\u0027s Degree
6,682 satisfied customers
The Builder entered into a Building contract with House
the Builder entered into a Building contract with House owners to build the house extension. The owners asked the builder if they can pay him by instalments and half by BACS, but another part by cash.… read more
Jamie-Law
Jamie-Law
Solicitor
6,141 satisfied customers
A wile ago i had my power tools stolen from the company van
A wile ago i had my power tools stolen from the company van the doors wouldnt lock all the time. Id told them 6 months before about the doors who is liable to replace them … read more
Jamie-Law
Jamie-Law
Solicitor
6,141 satisfied customers
I was given a simple caution in 2011. My of my flatmates
Hi, I was given a simple caution in 2011. My of my flatmates grew a small cannabis plant which the police investigated. As owner of the flat, I was issued a caution with the citation with clause: "kno… read more
Jamie-Law
Jamie-Law
Solicitor
6,141 satisfied customers
My wife and I got divorced 6 months ago after 12 years. She
Hi. My wife and I got divorced 6 months ago after 12 years. She has custody and lives with our underage children (5 & 8 years old) in our old matrimonial house which was jointly purchased 11 years ago… read more
JimLawyer
JimLawyer
GD Law
85 satisfied customers
Looking at starting a claim for breach of obligation under a
Looking at starting a claim for breach of obligation under a trust deed governed by the laws of Isle of Man. I want to know whether the limitation period provisions including those under the Limitation Act 1980 apply in the Isle of Man. I understand that the laws of Isle of Man usually mirror those in England and Wales … read more
JimLawyer
JimLawyer
GD Law
85 satisfied customers
Currently going through a fraud case. A family member took
Hi,Currently going through a fraud case. A family member took out many catalogue credit accounts in my name as well as other names, the volume of names used was beyond. One debt in particular was rack… read more
Jo C.
Jo C.
Barrister
70,928 satisfied customers
I am selling my home and my ex is still on the deeds. I have
Hi. I am selling my home and my ex is still on the deeds. I have been split up from him for around 6 years and i don't know where he lives. i have always paid for the mortgage. How do i remove him fro… read more
JimLawyer
JimLawyer
GD Law
85 satisfied customers
I (55yrs) was watching tv on Saturday evening in my Mums
Hi I (55yrs) was watching tv on Saturday evening in my Mums kitchen when my brother (56yrs) came in and start to become aggrieved by me being there. My mum 86yrs had dementia and we have been supporti… read more
Jo C.
Jo C.
Barrister
70,928 satisfied customers
I am in following situation with the limited company who
I am in following situation with the limited company who provided the service. And would like to know what position I am in in terms of the consumer right or any other right I have, also the chance of… read more
Jamie-Law
Jamie-Law
Solicitor
6,141 satisfied customers
I am trying to find out whether it is possible for a
I am trying to find out whether it is possible for a property to be rented out before probate is granted. … read more
Aston Lawyer
Aston Lawyer
Head of Residential Property
LLB (HONS)
3,719 satisfied customers
If I am the defendant in a court debt collection proceedings
If I am the defendant in a court debt collection proceedings and prior to it being heard in court I reach a settlement with the claimant do I have to submit to a judgement in the claimants favour for … read more
Jamie-Law
Jamie-Law
Solicitor
6,141 satisfied customers
I have read elsewhere that the abused should keep a detailed
Hello,I have read elsewhere that the abused should keep a detailed log of events as evidence. However, it seems to me that this would be easily dismissable because it could simply be rejected as a mis… read more
Jo C.
Jo C.
Barrister
70,928 satisfied customers
I'm having problems with a car rental company in Iceland
I'm having problems with a car rental company in Iceland they are asking for a huge sum of money for a minor accident (no other car involved) i'm disputing it with company but is there anyway they can… read more
Jamie-Law
Jamie-Law
Solicitor
6,141 satisfied customers
When we were first married in 1960 we bought G Plan
When we were first married in 1960 we bought G Plan furniture which served us well for many years. After almost 58 years of marriage we did not want to spend a lot of money on replacing furniture. Nev… read more
JimLawyer
JimLawyer
GD Law
85 satisfied customers
How to report someone for slander? Someone writing on google
how to report someone for slander? Someone writing on google reviews damaging information becuase they have lost a case in court. … read more
Jo C.
Jo C.
Barrister
70,928 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x