'Halifax closed my 16-year-old's account - and won't tell me why?'

Every week, the Money blog team answers a reader's financial problem or consumer dispute - you can email yours to moneyblog@sky.uk.

Today's is... My 16-year-old son's bank account has been scheduled to be closed by Halifax within the next 60 days or so and they won't tell him or us as parents exactly what he's done for that decision to be taken.

All we got from them over the phone and in a letter is that their fraud team has investigated and concluded that he hasn't used his account in line with the bank's terms and conditions. My concern is what effect this account closure might have on his future financial credibility and also what it might do to his credit records when all he did was ask for his bank's help in getting what he paid for.Benjamin Money live reporter Jess Sharp answers this one...

Thanks for getting in touch, Benjamin. This has been a tricky one to tackle since Halifax maintains that your son's account has been used in a way that breaches its terms and conditions.

You told me that you heard a consultant over the phone refer to two or three online transactions that your son had disputed with the bank due to issues with orders failing to arrive. While the bank wouldn't tell me specifically what its concerns were, it said that, based on the way your son had been using his account, it was no longer able to offer it to him.

"We do appreciate the experience has given his father cause for concern. However, having reviewed the case again, we are maintaining our decision to give notice to close the account," a Halifax spokesperson told me.

"When an account is triggered for a review, we look at things like account activity, any claims or disputes, amongst other things that may be considered out of line with usual activity. "It's important accounts are used in line with terms and conditions and all banks regularly review accounts to make sure they're being used safely and appropriately." I had a look at Halifax's terms and conditions, which state it can close accounts if it reasonably believes that: There is or may be illegal or fraudulent activity connected to the account;You are or may be behaving improperly.

This includes being abusive or threatening to staff or including abusive or threatening messages in payment instructions;You have broken the agreement in a serious way;A regulator or government may take action against the bank;The bank may break the law or regulatory requirement if it doesn't end it.If Halifax wants to end the agreement for any other reason, it must tell you at least two months in advance. You told me the bank said there was "suspicion of fraud.