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Previous addresses within the last 3 years
book12
Posts: 2,557 Forumite
On behalf of my daughter, she would like to open a basic account. I would like to ask the following:
After graduating from university, she would like to open a basic bank account, instead of a graduate one, as she doesn't like the benefits/features of a graduate one. This will be her very first 'bank account', as she only has a savings account (with cash card) when she was young. I regret not opening a basic bank account in the first place for her when she was 11 years old.
I didn't put her on the voters roll when she was between the age of 16-18, as she and I know that she will going to university, so no point putting her name on there, and she spent most of her time (including part of the summer holidays) at halls of residence in the past 3 years of uni. She agreed with me on that about not putting her on the voters roll between that age.
Now, I have put her on the voters roll, as she will be living back at home permanently after graduating university. She is unemployed and currently seeking a job. The only income he will get is from me. The income £100 weekly (i.e. £400 a month). The money will help her with finding a job, transport, extra qualifications and job training (if she wanted to improve job prospects). Will the bank call me for proof that I will be funding her account, or will the bank just assume that my daughter is telling the truth?
Will banks ask why my daughter is not on the voters roll when she's 18 at my address, and at her halls of residence in the past 3 years? She has told me that there was no voters roll application form sent to the halls of residence in the past 3 years. She still has tenancy agreements as proof of previous address in the last 3 years though, and a proof of address of the current address at my place (i.e. she will be using the savings account statement as proof of current address, and the voters roll), so hopefully that would be enough to open a basic bank account. In addition, she has photo ID obviously (i.e. passport and provisional driving license).
Will the bank open a basic account for her, even though she is on the voters roll now at the current address, and not at the previous addresses in the last 3 years at uni?
Also, she will be closing her savings account, and transfer her funds to the basic bank account to a new bank. She also wants to open a savings account with the new bank too.
She will be using the following form, so that she could be on the voters roll: https://www.aboutmyvote.co.uk/PDFDownload.aspx?mode=view&form=blank . The form says that all sections needs to be completed. There is a section named 'previous address'. She will leave it out, as she didn't recieve a form during the past 3 years at uni residence. Will the council call her up and explain why she left that part blank? Or should I call the council to send me a form, since the council's one is different in some way, where it doesn't ask for the previous address?
Sorry for the long post. Suggestions/advice appreciated.
After graduating from university, she would like to open a basic bank account, instead of a graduate one, as she doesn't like the benefits/features of a graduate one. This will be her very first 'bank account', as she only has a savings account (with cash card) when she was young. I regret not opening a basic bank account in the first place for her when she was 11 years old.
I didn't put her on the voters roll when she was between the age of 16-18, as she and I know that she will going to university, so no point putting her name on there, and she spent most of her time (including part of the summer holidays) at halls of residence in the past 3 years of uni. She agreed with me on that about not putting her on the voters roll between that age.
Now, I have put her on the voters roll, as she will be living back at home permanently after graduating university. She is unemployed and currently seeking a job. The only income he will get is from me. The income £100 weekly (i.e. £400 a month). The money will help her with finding a job, transport, extra qualifications and job training (if she wanted to improve job prospects). Will the bank call me for proof that I will be funding her account, or will the bank just assume that my daughter is telling the truth?
Will banks ask why my daughter is not on the voters roll when she's 18 at my address, and at her halls of residence in the past 3 years? She has told me that there was no voters roll application form sent to the halls of residence in the past 3 years. She still has tenancy agreements as proof of previous address in the last 3 years though, and a proof of address of the current address at my place (i.e. she will be using the savings account statement as proof of current address, and the voters roll), so hopefully that would be enough to open a basic bank account. In addition, she has photo ID obviously (i.e. passport and provisional driving license).
Will the bank open a basic account for her, even though she is on the voters roll now at the current address, and not at the previous addresses in the last 3 years at uni?
Also, she will be closing her savings account, and transfer her funds to the basic bank account to a new bank. She also wants to open a savings account with the new bank too.
She will be using the following form, so that she could be on the voters roll: https://www.aboutmyvote.co.uk/PDFDownload.aspx?mode=view&form=blank . The form says that all sections needs to be completed. There is a section named 'previous address'. She will leave it out, as she didn't recieve a form during the past 3 years at uni residence. Will the council call her up and explain why she left that part blank? Or should I call the council to send me a form, since the council's one is different in some way, where it doesn't ask for the previous address?
Sorry for the long post. Suggestions/advice appreciated.
0
Comments
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It is actually a criminal offence not to register someone on the electoral roll when asked by the council. It is also allowed for students to be registered at both their home address and term time address - as long as they only vote once in each election.
Not being on the electoral roll will have an impact on her credit rating - however I can't imagine the credit check will be too strict for a basic bank account without overdraft facility.
Just another thought. You say she is seeking a job but currently unemployed, has she signed on the dole (Jobseeker's Allowance)? This is currently £47.95 per week.0 -
The form says that all sections needs to be completed. There is a section named 'previous address'. She will leave it out, as she didn't recieve a form during the past 3 years at uni residence.
Most universities automatically register their 'halls of residence' students on the electoral roll with the local council.
Really, speaking your daughter should probably also have been registered at your home address since 17/18 but I doubt it will make much difference - just affect her credit rating slightly but not enough not to get a bank account.
Did she not have a normal/student 'bank account' while at university?
Unless your daughter is poor at managing money, I suggest she applies for the (free) graduate accounts rather than a basic bank account..
Regards
Sunil0 -
BruceyBonus wrote: »It is actually a criminal offence not to register someone on the electoral roll when asked by the council. It is also allowed for students to be registered at both their home address and term time address - as long as they only vote once in each election.
Not being on the electoral roll will have an impact on her credit rating - however I can't imagine the credit check will be too strict for a basic bank account without overdraft facility.
Just another thought. You say she is seeking a job but currently unemployed, has she signed on the dole (Jobseeker's Allowance)? This is currently £47.95 per week.
Thankyou for your reply.
I didn't know that she could be registered at both addresses. There was no voters roll form sent to her during her time at the uni residence, so this is why she can't put her name on the voters roll. Anyway, she is on the voters roll now at my current address. Should she use the form from the link I mentioned, or a form from the council?
I assume the banks will open a basic bank account for her then, even though she is not the voters roll during the past 3 years at the uni residence address, and now on the voters roll at the current address. Am I correct?
I will ask my daughter to fill in the form Jobseekers' Allowance.0 -
Its not something I knew either until I spoke to the council a few months ago - will be very useful for me. The link doesn't work for me but when I enter my postcode, the form is virtually identical to the council's. I don't think it really matters as long as they get the details!I didn't know that she could be registered at both addresses. There was no voters roll form sent to her during her time at the uni residence, so this is why she can't put her name on the voters roll. Anyway, she is on the voters roll now at my current address. Should she use the form from the link I mentioned, or a form from the council?
If she is on there now, I can't see why they wouldn't open a basic bank account. However they'll probably open a graduate account more easily - and take the electoral roll bit into account. You can ask not to have overdrafts etc with graduate accounts if that is what your daughter doesn't want.I assume the banks will open a basic bank account for her then, even though she is not the voters roll during the past 3 years at the uni residence address, and now on the voters roll at the current address. Am I correct?0 -
Most universities automatically register their 'halls of residence' students on the electoral roll with the local council.
Really, speaking your daughter should probably also have been registered at your home address since 17/18 but I doubt it will make much difference - just affect her credit rating slightly but not enough not to get a bank account.
Did she not have a normal/student 'bank account' while at university?
Unless your daughter is poor at managing money, I suggest she applies for the (free) graduate accounts rather than a basic bank account..
Regards
Sunil
Thanks for your reply.
She did not have a 'normal/student bank account', as I didn't open one for her. She also didn't talk to me about opening one.
My daugher wants a basic bank account, either one from Barclays, LTSB, or Natwest. She doesn't want a graduate account, as she told me that she won't use the features/benefits.
I assume the banks will open a basic bank account for her then, even though she was not the voters roll during the past 3 years at the uni residence address, and now on the voters roll at the current address. Am I correct?0 -
I assume the banks will open a basic bank account for her then, even though she was not the voters roll during the past 3 years at the uni residence address, and now on the voters roll at the current address. Am I correct?
Yes, though it can take banks/credit reference agencies up to a couple of months to update their records to show your daughter is on the electoral roll.
Regards
Sunil0 -
BruceyBonus wrote: »Its not something I knew either until I spoke to the council a few months ago - will be very useful for me. The link doesn't work for me but when I enter my postcode, the form is virtually identical to the council's. I don't think it really matters as long as they get the details!
If she is on there now, I can't see why they wouldn't open a basic bank account. However they'll probably open a graduate account more easily - and take the electoral roll bit into account. You can ask not to have overdrafts etc with graduate accounts if that is what your daughter doesn't want.
That fom from the 'aboutmyvote' website, ask for a previous address. She will leave it blank. If she does, the council might ask why she left it blank, and ask for the previous address, where she didn't register, due to the form not being sent to the halls of residence for the past 3 years. Do you think it will be processed even though the previous address is left blank? By the way, she is not on there yet though, as she is currently filling it in. Sorry for the misleading section in my first post.
She wants a basic account though (can't force her to change her mind, lol). Out of curiosity, I have read about graduate accounts on here, and they are credit scored, even if a customer doesn't want any 'credit' facilities. She has no credit history, and will have a low score, which leads to the application being declined. So no point.
Thanks again.0 -
I think the reason for asking for a previous address is simply to remove you from the register at your old address. If you aren't on there, then the council will just add you to their roll.That fom from the 'aboutmyvote' website, ask for a previous address. She will leave it blank. If she does, the council might ask why she left it blank, and ask for the previous address, where she didn't register, due to the form not being sent to the halls of residence for the past 3 years. Do you think it will be processed even though the previous address is left blank? By the way, she is not on there yet though, as she is currently filling it in. Sorry for the misleading section in my first post.0 -
BruceyBonus wrote: »I think the reason for asking for a previous address is simply to remove you from the register at your old address. If you aren't on there, then the council will just add you to their roll.
Ok. So by the looks of it, by using that form, the council won't ask about why she didn't fill in the previous address section then. I'm just worried about her getting fined for not being on the voters roll, while at uni residence for the past 3 years living there, as there was no form sent to her.Yes, though it can take banks/credit reference agencies up to a couple of months to update their records to show your daughter is on the electoral roll.
Regards
Sunil
My daughter wants one immediately though, even though I asked her to wait as I've just told her what you said (i.e. the banks/CRA takes a couple of months to update the records).
Since she wants it immediately (how impatient of my daughter, lol), should my daughter:- just tell the bank to call the council up to proove that she is on the voters roll,
- ask the council to produce a letter stating that she is on the voters roll
Out of curiosity, do you know the exact number of months to update the records?0 -
I'd just apply anyway and see what happens. There are other banks if she doesn't get accepted by one of them.0
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