Refused a Halifax Reward Account...?

mtwelve

Hi,

Last night I tried signing up to the Halifax - Reward Current Account and got refused.

I wondered if anyone has had the same problem?




They didn't give me a reason but said that I would soon recieve a letter explaining their desciosion.

Do you think I was too honest saying that I have two kids, around £2000 earnings after tax per month, i'd finance it with my salary and that I'm a private tennant?

I've yet to sign up in my partners name and so if you did think that this was the case maybe I could be sparing with the facts....?


I was under the impression they'd give the account to most people.


Thanks in advance

partlydave

Do you already have a BoS reward account?

YorkshireBoy

On the Electoral Roll?

Financial association issue?

mtwelve

I dont have any RBS accounts.

I'm definetly on the Electoral Roll.

I have had no financial issues or problems what so ever.



Very odd...

partlydave

You'll have to see what they put in the letter, and then appeal if its not a valid reason. I would still go ahead with your partners application anyway.

PeterDuckett

mtwelve wrote: »

I dont have any RBS accounts.

RBS AKA Royal Bank of Scotland is not the same as the Bank of Scotland of HBOS Group

mtwelve

Sorry meant to say BoS; I dont have any BoS accounts either.

Should I be less forthcoming with my partners information (dependents, etc)?



Thanks

glider3560

mtwelve wrote: »

Should I be less forthcoming with my partners information (dependents, etc)?



Thanks

Yes. Don't lie as there is a database called National Hunter. This stores details that you give on applications. Many banks/other financial companies will compare what you put on the application with details you've previously given to other companies. Technically, it is fraud by false representation by not disclosing the correct information you've been asked for.

mtwelve

Ok.

I'll state the bits they ask but say that the account will be funded by a family gift etc.


Once I get my explanation in the post I'll let you know their reasoning.



Thanks

Old_Wrinkly

glider3560 wrote: »

Yes. Don't lie as there is a database called National Hunter. This stores details that you give on applications. Many banks/other financial companies will compare what you put on the application with details you've previously given to other companies. Technically, it is fraud by false representation by not disclosing the correct information you've been asked for.

Some background on 'National Hunter' :
http://www.guardian.co.uk/money/2008/nov/15/national-hunter-credit-agency
http://www.nhunter.co.uk/faq.html
http://www.nhunter.co.uk/data.html

mtwelve

Sooo heres what happened.

She was accepted for her account no questions asked.

Our Joint account is still pending, but I can imagine it will be accepted.

When filling it out on her behalf there was very little i could change from mine, other than the way I would finance the account.


I'll give you an update once I've recieved there letter of explanation regarding my account.

Is there much hope in getting them to overturn their descion?