wonlasewonimi:


Banks are generally crazy in this country, they can decide to close your account without giving a valid reason. Most of the time they rely on automated alerts which could trigger the closure.
This is how they coined computer says No.

Right, I think it is in their terms and conditions not to say why.

But they ought to have notified the owner about the closure.

wallg123:


You mean in Nigeria ?.
Only people i know that have their account closed were people who used the account to receive or send fraud money. .......
Your account cannot be closed for no reason without any explanation to the fact.....

Are Uk banks racist?

Says who...

mine was closed with no reason. I definitely have never done anything fraudulent neither was it even an account used frequently so it was hardly used to receive or send fraud money ....

its always easy to think it doesnt happen until it happens to you

LagosismyHome:


Says who...

mine was closed with no reason. I definitely have never done anything fraudulent neither was it even an account used frequently so it was hardly used to receive or send fraud money ....

its always easy to think it doesnt happen until it happens to you

Nothing is done without a reason.
Police won’t arrest you without telling you why...
Immigration won’t stop you at airport without a reason.
My accounts or any of my extended family haven’t been closed before so I’ll beg to disagree

wallg123:


Nothing is done without a reason.
Police won’t arrest you without telling you why...
Immigration won’t stop you at airport without a reason.
My accounts or any of my extended family haven’t been closed before so I’ll beg to disagree

Exactly my point in bold .... you cant really speak of what you have no experience off

Nothing done without a reason for sure, but whether they disclose it to you is another matter. Only an inside truly knows what criteria they use in closing some accounts . Some could even be accidentally closed if it done by a program which can have bugs once in à while

One of my projects was an IT migration (although not bank related ) and during a process, several customer accounts were closed accidentally, some were caught and immediately reversed but not all. In that case those that were closed accidentally without reversing will just wake up to see their account are closed.

I am not sure a UK bank will close an account without any reason. The reason might be stupid and unjust tho. The best way to mitigate it is to have a minimum of 2 bank accounts so that one won't be stranded. Because in most cases, funds are refunded.

LagosismyHome:


Exactly my point in bold .... you cant really speak of what you have no experience off

Nothing done without a reason for sure, but whether they disclose it to you is another matter. Only an inside truly knows what criteria they use in closing some accounts . Some could even be accidentally closed if it done by a program which can have bugs once in à while

One of my projects was an IT migration and during a process, several customer accounts were closed accidentally, some were caught and immediately reversed but not all. In that case those that were closed accidentally without reversing will just wake up to see their account are closed.

Yes I can ... read this if your account was closed and know the appropriate actions go take ...
https://bankomb.org.nz/guides-and-cases/quick-guides/bank-accounts/closing-accounts/#:~:text=Two%20of%20the%20most%20common,continually%20going%20into%20unarranged%20overdraft

There’s no smoke without fire

wallg123:


You mean in Nigeria ?.
Only people i know that have their account closed were people who used the account to receive or send fraud money. .......
Your account cannot be closed for no reason without any explanation to the fact.....

Are Uk banks racist?

In UK mate, as braket said they don't have to justify the closure. Most of the time, they will give you notification except when there is clear evidence of fraud

This is why I am an advocate of multiple accounts.

BTW, my favorite bank Starling won the best UK bank based on survey conducted by Which. Running away from erico2k2 now.

wallg123:


Yes I can ... read this if your account was closed and know the appropriate actions go take ...
https://bankomb.org.nz/guides-and-cases/quick-guides/bank-accounts/closing-accounts/#:~:text=Two%20of%20the%20most%20common,continually%20going%20into%20unarranged%20overdraft

There’s no smoke without fire

And your link said exactly this

A bank does not have to explain why it is closing a customer's account, although in most cases banks follow good practice and give a reason.

LagosismyHome:


And your link said exactly this

A bank does not have to explain why it is closing a customer's account, although in most cases banks follow good practice and give a reason.

Is that the summary or the link ?

If you feel your account was closed unjustly there’s a form there for you to fill and the banks ombudsman will help you..

wonlasewonimi:


In UK mate, as braket said they don't have to justify the closure. Most of the time, they will give you notification except when there is clear evidence of fraud

This is why I am an advocate of multiple accounts.

BTW, my favorite bank Starling won the best UK bank based on survey conducted by Which. Running away from erico2k2 now.

Please no wake erico2k2 up this early morning oh...

See Dem awon trouble makers, I have been busy parking my bank(BAGS) I dey run go 9ja leave unu 4 this cold

erico2k2:
See Dem awon trouble makers, I have been busy parking my bank I dey run go 9ja leave unu 4 this cold

where is the OP with the closed bank account? NATWEST wrote to me about 2004 that they were going to close my bank account and they are not going to explain why and that I got 90 days to remove any monies I have in there, mind you at this time I own three bank account dunno why I did lol ROyal bank of Scotland was what my salary goes into then, so the NatWest was seeing no action for like 3 years so it got closed till date,

wallg123:


Please no wake erico2k2 up this early morning oh...

I doesn't knew what you are talking about oh wallyg

wonlasewonimi:


I doesn't knew what you are talking about oh wallyg

See dem, challengers

wallg123:


You mean in Nigeria ?.
Only people i know that have their account closed were people who used the account to receive or send fraud money. .......
Your account cannot be closed for no reason without any explanation to the fact.....

Are Uk banks racist?

It can!

erico2k2:

See dem, challengers

Hey erico oremi my friend... Howdy?

wonlasewonimi:


Hey erico oremi my friend... Howdy?

I dey Joor, I dey park my bagk nah to japa go PHC, the airport there is not open so nah to go straight to ABJ and find my way to PHC frm there abeg house who get sure agent for ABJ make I buy domestic flight tkt, I have never done this B4

erico2k2:
where is the OP with the closed bank account? NATWEST wrote to me about 2004 that they were going to close my bank account and they are not going to explain why and that I got 90 days to remove any monies I have in there, mind you at this time I own three bank account dunno why I did lol ROyal bank of Scotland was what my salary goes into then, so the NatWest was seeing no action for like 3 years so it got closed till date,

So u no want give NatWest activities eh .......
At least u get notification say make u move your money before hand .....
Imagine the hardship you for face if u wake up the next day to find out say u no get access to ur only account ? ...
if na me, I for run liquid mental

erico2k2:

I dey Joor, I dey park my bagk nah to japa go PHC, the airport there is not open so nah to go straight to ABJ and find my way to PHC frm there abeg house who get sure agent for ABJ make I buy domestic flight tkt, I have never done this B4

Erico u be Ph boy?
Hope them done construct that airport arrival terminal ...
First time I carry my madam enter PH, na inside tent wey be airport arrivals

wallg123:


So u no want give NatWest activities eh .......
At least u get notification say make u move your money before hand .....
Imagine the hardship you for face if u wake up the next day to find out say u no get access to ur only account ? ...
if na me, I for run liquid mental

ahah and these where the days were digitalisation was just kicking in but last 2008 I migrated to Barclays and HSBC, Barclays till date.

wallg123:

Erico u be Ph boy?
Hope them done construct that airport arrival terminal ...
First time I carry my madam enter PH, na inside tent wey be airport arrivals

nah two years ago nah new site better than lasgidis LOS sef, we nor dey comot enter plane via tamarc again all that re check by the plane on the tarmac stop two years ago,

erico2k2:

I dey Joor, I dey park my bagk nah to japa go PHC, the airport there is not open so nah to go straight to ABJ and find my way to PHC frm there abeg house who get sure agent for ABJ make I buy domestic flight tkt, I have never done this B4

Abeg no go by road o and no go by the snail speed train o....enjoy bro.

wonlasewonimi:


Abeg no go by road o and no go by the snail speed train o....enjoy bro.

nah to fly

erico2k2:

nah to fly

It's a crime to park RR autobiography inside garage, with no servicing...........

Why den no carry RR meet you for Abj, so you paint Abj red, then continually keep painting, till you reach PH..... Then paint some more.........

Your £ get beta spending value now.........

Lexusgs430:



It's a crime to park RR autobiography inside garage, with no servicing...........

Why den no carry RR meet you for Abj, so you paint Abj red, then continually keep painting, till you reach PH..... Then paint some more.........

Your £ get beta spending value now.........

That ABJ rd nah Death drive those supporter of APC boys nor get joy. the RRS is at the parking lot waiting for me wen I reach PH where I know every ahah
PS, I always go home with service parts to do the needful>

Thanks all.

DisGuy:


There's no pay on delivery, you can order clippers from argos or wahl.

Absolutely no more. I went to the bank and they said they are unable to discuss it that they are no longer able to offer me banking services.

Read a few things about it on the internet and it looks like some form of profiling . The account has been operated with just small normal cash.

It’s a current account.

My wife’s account was closed with same message and she hadn’t even started depositing money in the account yet...

HSBC has been ok for me and Monzo but i wanted to be sure it’s not a general thing especially with Monzo cos I love the ease of banking Monzo offers...

Lexusgs430:



More to this story..... Banks does not shut an account for no reason.......

- What type of account did you open?
- How was your account operated?
- How was cash flowing through your account?
- Any suspicious activities?
- Identity crises
Etc etc etc

Get a credit report, hopefully they have updated it.... Other banks would negatively view this closure, as a red flag....... Best to resolve it, before you move on, or attempt to move on..... Your new bank too can close your new account (when they eventually find out) ......

How do I get a credit report, please ?

I have an account with Experian.

Can I get it from them ?.

Plus we are barely 3months here

Jazzman95:
Absolutely no more. I went to the bank and they said they are unable to discuss it that they are no longer able to offer me banking services.

Read a few things about it on the internet and it looks like some form of profiling . The account has been operated with just small normal cash.

It’s a current account.

My wife’s account was closed with same message and she hadn’t even started depositing money in the account yet...

HSBC has been ok for me and Monzo but i wanted to be sure it’s not a general thing especially with Monzo cos I love the ease of banking Monzo offers...

Jazzman95:
How do I get a credit report, please ?

I have an account with Experian.

Can I get it from them ?.

Plus we are barely 3months here

Get a report from experian.........