Opening a Bank Account

SmudgeUK

Hi All,

Hope someone can assist me in my problem..............

I been trying to open a basic banks account and have tried the following accounts.

Co-Op Cash Minder
HSBC
Lloyds
Barclays
Natwest
and a few others

All these Banks have refused to open me an account (even though i am only applying for a basic account).

I have two defaulted accounts on my report one that is satisfied and one that has just been paid off but awaiting updating on my report.

I have two open Credit Accounts, both arfe satisfactory in status showing that all payments have been made on time, and no payments missed.

I have one CCJ which i am currently applying to have set aside.

I was made bankrupt in march 2003, and that was discharged in April 2005.

Yet i am getting refused from all, the only one that has given me a reason is Natwest, who states that i have bankrupcy details against me, and if i send my letter of discharge in then will be willing to open the account, I sent this letter to them, and they have still refused to open an account.

I am in full time employment, and have been for 3 years, and also listed on the electoral register, so what more can i do................

I am desperate for this account, as i can no longer be paid in cash for work, and also need to pay direct maintenance to a partner, but advised by CSA to make sure this is by standing order, in case she goes to them and tells them that i have forfieted on our voluntary agreement.


HELP!!!!!!!!!!!!!!!!!

seeya23

i would try abbey you can apply online

Kavanne

have you got any fraud markers on your credit report? The FSA say co-op cash minder will only decline due to that!!

SmudgeUK

I got a Cifas Marker, dont know why and cant get it removed.......

But credit expert said that they are not allowed to refuse me on this reason alone. They need to do extra checks to ensure that it is me who is actually applying for the service

456789

try local credit union?

SmudgeUK

seeya23 wrote: »

i would try abbey you can apply online

Was witrh Abbey, had it closed due to BR, wont touch me now

Kavanne

SmudgeUK wrote: »

I got a Cifas Marker, dont know why and cant get it removed.......

But credit expert said that they are not allowed to refuse me on this reason alone. They need to do extra checks to ensure that it is me who is actually applying for the service

what does it say in the detail of this on your report?

SmudgeUK

Name used: Almost Correct
Date of birth used:Correct DOB
Address Used:my correct address
Date information was recorded:10/06/2008
Members Name:LLOYDS TSB
Members Address:3rd Floor, Victory House, Trafalgar Place, Brighton, BN1 4FY
Case Reference:removed
Product Type:Personal - Current Account
Type of Case: Application Fraud
(Facility Refused) - an application/proposal for any facility with one or more material falsehoods in the information provided - the facility was refused.Reason for Entry:Refer to CIFAS member

TheEffect

Did you apply for a Current Account with Lloyds TSB around June 2008, and lie on the application form, such as putting an inaccurate income?

SmudgeUK

TheEffect wrote: »

Did you apply for a Current Account with Lloyds TSB around June 2008, and lie on the application form, such as putting an inaccurate income?

No i did not apply for this account, and sent a letter to lloyds, and they did an investigation, and removed the appropriate search from my file, but will not remove the marker, but again credit expert who i am a member of says that no cifas member is allowed to refuse an application just cause of this marker.

Lloyds have agredd and confirmed that this application was made online, and when i wasnt in the country with me being a lorry driver, and working away from home for weeks on end.

TheEffect

SmudgeUK wrote: »

No i did not apply for this account, and sent a letter to lloyds, and they did an investigation, and removed the appropriate search from my file, but will not remove the marker, but again credit expert who i am a member of says that no cifas member is allowed to refuse an application just cause of this marker.

Lloyds have agredd and confirmed that this application was made online, and when i wasnt in the country with me being a lorry driver, and working away from home for weeks on end.

If Lloyds agree that it wasn't you who made the application, then they have to remove the marker. A CIFAS marker is plenty to decline an application on it's own, as it looks like someone is using your details for fraud, and as such, no one will touch you with any sort of credit/account.