No the bank wasn't notified in advance as I have never had to do anything like this before so didn't know I needed to.
What was the amount please?
The amount to transfer was £7135
And you don't use the account that often? What is the usual balance?
I do use the account often but to be honest not with vast sums, normally only up to £500 or so. I totally understand what's happened initially and why it has flagged up, I'm just confused with why it is taking so long to resolve it when I've provided everything needed
That is why they have stopped it.
If you do not really use the account very often and you had not notified them in advance, clearly this set off alarm bells.
However the payment is one you are receiving for someone else - this makes matters worse.
This is actually money laundering
You are not a Claimant nor a party to the original dispute.
Therefore you are simply allowing your account to be used for funds that do not belong to you - this is money laundering and a criminal offence.
You need to co-operate with the fraud team. The branch staff will not be able to over ride the fraud team.
What you should do is write to the bank and set out your position
Oh my god really? My dad asked me to do him a favour and I am now going to be in trouble?
If they do not respond or you are unhappy with the response then you can complain to the Financial Ombudsman.
Their website is: www.financial-ombudsman.org.uk
Can I clarify anything for you about this today please?
Are you saying that the Fraud team are going to take action against me even when I didn't know I was doing anything wrong? I am really scared now! The way the branch explained it was they were concerned I was being used as a mule for money laundering or something but it was my dad and I gave him permission? I just don't understand
Not necessarily they will take action, but clearly they need to investigate the matter.
You should write to the bank, set out all your position and enclose all the documents.
It makes no difference whether or not you knew what you were doing, the fact it you allowed your account to be used for monies not intended for you.
But set out the position and explain the situation
We already have set out the position and the situation which is what has been passed to the Fraud team along with the confirmation confirming the funds etc. Are you saying we need to write as well or do we wait to hear from them?
Yes you should WRITE to the head office or fraud team if you have the address
I am sorry for the delay, I'm just in shock at the thought that I have committed a criminal offence when it is all completely above board. Thank you for your answers though, even if they haven't been reassuring.