I think they most certainly DO have to tell you why they closed your account:
Closure by us
7.1.1
We can close your account immediately if:
(a) we reasonably suspect that you have given us false information;
(b) we reasonably suspect that your account is being used for an illegal purpose;
(c) you behave in a threatening or violent manner towards our staff; or
(d) you were not entitled to open your account.
7.1.2
We can also close your account by giving you not less than 60 days’ notice before we close your account.
As they havn't given you 60 days notice, then they must suspect you of providing false information, illegal activity or not being entitled to open the account in the first place (I'm assuming you havn't been violent towards any of their staff recently). So they need to tell you why. If they can't then I would accuse them of being in breech of their own terms and conditions and liable to damages for your loss of trade as a result of having your account closed.
Don't let the bastards get away with this.
The plot thickens...
22nd April – Bank account frozen, rang up twice and was hung up on both times. Then rang local branch and they also hung up. Had to go into branch to withdraw child benefit. After waiting over an hour they said they would not let us access child benefit either (not for us obviously, for the 5 week old baby!!
)
23rd April – Cash machine swallowed bank card. Rang up again and wouldn’t tell us anything apart from its frozen.
23rd April – Still can’t withdraw any money and account is still frozen. They also said the account £9,200 in debt(?!?!), which has been paid to BTS something.
Rang up again later and spoke to someone different, they said a cheque has been paid in for £100,000 and the account is negative £98,878.41. How does someone paying a cheque in leave you in negative balance? Had an argument with customer service and got put through to manager.
5 minutes later the manager said regret to inform that we are closing your account which is £98,878.41 in debit. She said a cheque was never paid in. She can confirm the account is in debt but she can’t tell us anymore about it.
24th April. Rang up, account is unfrozen, no history of £100,000 ever being withdrawn, or any cheques being paid in. Bank account is still being closed.
Now, I am not one to moan, but this is ridiculous, it makes absolutely no sense, and someone somewhere has been lying. Not to mention neither of us could sleep all night thinking that we are almost £100k in debt and will never be able to buy our own house or afford anything for the rest of our lives.
Would it be worth posting on one of those consumer action group type forums? Do we have any comeback?
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