A description of the issue :
Barclays bank agreed to make an international transfer GBP 65,000 from my current account to an overseas property developer .
( my wife and I were buying a small flat and had already paid a deposit on it).
Barclays did that in the branch and gave me the proof of transfer.
Next morning I checked on line and found that the transfer had not gone through.
Instead the balance of my current account from the previous day ( GBP 69,000 ) had been taken out with a description “TO RECONCILE” and so my balance was now zero.