Credit check (paperless internet banking)

threedee

Well, here's one for y'all.

I'm signing up with Voda for a contract, and durring credit check they ask me for bank statements, which i dont get since the beginning of 2007. Switched to paperless, as per bank suggestion and my semi-"green" beliefs.

Now this is coming to bite me in the @r$e. I cannnot provide scans/faxes. Bank will take forever to issue them (5 business days), and today being saint paddys it just wasted my day (where i may have gotten the statements if i went to the bank and been very very nice asking.)

Question is more of a rhetorical nature - whats the point of paperless banking ?

Is there a way to get credit checked without all this malarkey with paper ?

Cheers and happy st paddys...

Buzby

Nothing to do with credit checking. All to do with proving your identity - and some feel a bank statement is somehow immune from fraud... in much the same way that if you had an ID Card with your biometrics this would also prove who you are. (Not!)

Ask them for an alternative prod-Council Tax, Tax coding notice, there's plenty more around"

threedee

I wonder if my bank will want me to pay for going back to paper statements. Ulster Bank. Anyone get paper statements from them now ? Free ?

Buzby

Nope. They'll charge for a 'duplicate' statement if you want them issued on paper.

threedee

So, i can ask for whatever statements i'm missing since 2007 and they cant (shouldn't) charge me for that ? Also does going back paper cost anything ? (of course i get these q's answered tomorrow, but i want to know what to expect in advance...)

GoodFun

Buzby wrote: »

Nope. They'll charge for a 'duplicate' statement if you want them issued on paper.

Most banks do not class issuing a one off paper statement as duplicate statement hence no charge if you use paperless banking. I know HSBC issue them free of charge in such cases.