sh4d0w
Member
Hi Guys,
Looking for a bit of insight on this situation.
November time i was getting called 2 or 3 times a week by Santander, i binned them off thinking it was a scam until i finally called them to check, it wasnt; they wanted to check on a few things... OK>
They asked me about my accounts, am i happy etc, they asked me about my job and they then asked me about one "Random" transaction that was made to my builder for £5k, that one payment specifically, we must have had a dozen or so payments to him, i think this one was from my own account and to his personal account, usually they would go from a joint savings account to his business account.
They then asked me to send them a payslip within the last 3 months, i sent it.
I questioned everything and they just kept going on about how it is random and they will be doing the same checks to all their customers under new regulations....
Mid of December and i wasnt able to make any payments, me wife neither (from joint accounts), turns out the bank had froze all of my accounts as my payslip didnt upload, i did it again and i had access again.
Yesterday, i got 9 letters (i have 9 accounts, Savings, Children etc) saying i have two months to find another bank as they can no longer offer me banking services. They will send me a Cheque for any balances remaining beyond the date and unfortunately they are not able to give me any further information about how they've made their decision.
I have never missed a payment, have very healthy accounts with them, not committed any offences or been victim to any scams or fraud and not cheated any systems - AFAIK.
What on earth have i done? What can i do now?
How can i check if i have a CIFAS Marker etc?
Cheers
Looking for a bit of insight on this situation.
November time i was getting called 2 or 3 times a week by Santander, i binned them off thinking it was a scam until i finally called them to check, it wasnt; they wanted to check on a few things... OK>
They asked me about my accounts, am i happy etc, they asked me about my job and they then asked me about one "Random" transaction that was made to my builder for £5k, that one payment specifically, we must have had a dozen or so payments to him, i think this one was from my own account and to his personal account, usually they would go from a joint savings account to his business account.
They then asked me to send them a payslip within the last 3 months, i sent it.
I questioned everything and they just kept going on about how it is random and they will be doing the same checks to all their customers under new regulations....
Mid of December and i wasnt able to make any payments, me wife neither (from joint accounts), turns out the bank had froze all of my accounts as my payslip didnt upload, i did it again and i had access again.
Yesterday, i got 9 letters (i have 9 accounts, Savings, Children etc) saying i have two months to find another bank as they can no longer offer me banking services. They will send me a Cheque for any balances remaining beyond the date and unfortunately they are not able to give me any further information about how they've made their decision.
I have never missed a payment, have very healthy accounts with them, not committed any offences or been victim to any scams or fraud and not cheated any systems - AFAIK.
What on earth have i done? What can i do now?
How can i check if i have a CIFAS Marker etc?
Cheers