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Good evening, welcome to just answer.
I am a solicitor and reviewing your question now for you.
Thank you for your patience thus far.
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If the money was paid from Barclays Bank in whose branch is not in the UK the money will be refunded to that account alternatively an account in that country. I am assuming you paid from a Ghana account.Money Laundering regulations will not allow them to refund the money to the UK if the paying bank is not in the UK regrettably.If you are speaking of Barclays plc registered here in the UK then you can complain to the FOS who will investigate and their decision would be binding on the bank.
Should you have any further information for me to consider do not hesitate to send your follow up message and I am more than happy to clarify anything. All the best.
I am not sure your message is in that tone simply because I have understood your facts the way I have. Anyway sorry if you feel things have been complicated, it is not the intention.
What reason did your bank give you for suggesting opening an offshore account to process a refund?Did they give you a final decision letter? Was it a charge back you requested from them?
Thank you for you mssage. Where they have agreed to refund the money and the payment was by bank transfer the charge back must be done to the account from which the money was debited in the first place. It is very strange that the bank is requesting that you open an offshore account to get your money back after accepting to pay you the money. If you do not have it already request their deadlock/final decision letter and log your complain on to the Financial Ombudsman Service online, they will look into this for you.
If you had requested a charge back though it would be the UK bank that would need to pay you that refund not the clearing bank in South Africa.
What insurance cover did you have?
Ok so where you make payment from your account and the service or goods that you have paid for have not materialised you can look to your bank to see if they can refund the money for you. If you make the request within 28 days they will look into it and the earlier the better the chances. Now Bank transfer is the least protected so whether they accept the charge back application (request for money to be returned to your account/debit card) is discretionary but from experience if reported early and within 28 days and they can see that you were defrauded the bank often processes the refund. Payment by credit card is always the best option because the Consumer Credit Act protects your payment and the card issuer refunds the money.
From what you have now clarified, Barclays has declined your claim and they are looking for you to seek your own refund directly from the receiving bank. South African banks will be governed by their own regulations in south africa and regrettably you will not be able to work around their policies.
The bank will be directing you to seek advice because they feel they have done all they could to help.
I had asked you what insurance you had that you made reference to in your initial information because there may be a way to enforce against your insurer.
Good morning, thank you for your messages this morning. I understand now. Your complaint however should have been to your Uk bank and they would communicate with the South Africa bank to try and recover the money. Failing that really you ought to pursue the seller, the bank in South Africa would strictly not have an obligation to return the money unless the seller agrees and authorises them to. Depending on the amounts we are concerned with here it may be worth engaging an attorney in South Africa to commence litigation there on your behalf.