Update..

LittleL_4

Just back in from Nationwide, had an appointment to open a basic bank account etc..

Then he said he'd have to do a credit search even though it was a basic account.

I said NO!!!!! :eek:

Is this right? I left the branch feeling sorry for myself..

I'm now looking for one i can maybe apply for on-line. Can anyone help?

L
xx

lynsayjane

hunny i'd be inclined to think that all banks are gonna carry out some kind of credit search before opening an account. maybe try explaining the situation and hope for a sympathetic bank???

Broken_hearted

Did you try telling them you wern't looking for credit?

LondonCanuck

By law, a bank has to do a credit check.

There are certain "know your customer" regulations that have to be followed to avoid money laundering and criminal activity. Not only the bank but the staff member can face legal charges if they do not take appropriate steps when opening accounts.

Can your employer help you get a bank account? Sometimes they have special arrangements with banks.

tirednurse_2

I opened both a co op cashminder and a nat west step account over the telephone. They both accepted me, even though I owe an £1800 overdraft on my bank account with Abbey. I also have defaults on credit cards and loans.
They did do credit reference checks but explained that it was to do with preventing money laundering and fraud.

southernscouser

If it's a basic account the credit search is more than likely only to be for security and identity purposes. You should have no real probem getting the most basic account from alot of banks. Don't quote me on that though!

LittleL_4

Thanks everyone, I was just getting a bit worried. I'm having crap day today. I was making myself a tuna sandwich there for lunch and I could'nt see what i was doing coz the tears were welling up in my eyes. I feel a total failure.......

Got my appointment on Friday with CCCS so hopefully that'll help.

A c/c company text me this (am). They asked me to phone them urgently!!! Unbelievable!!

Thanks again you're all the best

L
x

southernscouser

LittleL wrote:

Thanks everyone, I was just getting a bit worried. I'm having crap day today. I was making myself a tuna sandwich there for lunch and I could'nt see what i was doing coz the tears were welling up in my eyes. I feel a total failure.......

Got my appointment on Friday with CCCS so hopefully that'll help.

A c/c company text me this (am). They asked me to phone them urgently!!! Unbelievable!!

Thanks again you're all the best

L
x

If you don't want the sandwich I'm starving!

LittleL_4

Ha! Ha! I've eaten it................and it was yummy....

Thanks for making me chuckle

L
x

southernscouser

LittleL wrote:

Ha! Ha! I've eaten it................and it was yummy....

Thanks for making me chuckle

L
x

No fair!