anti-fraud and money-laundering procedures

saf87

slopemaster wrote: »

That is useful, thanks very much.
In my case, unfortunately the account has been opened and funded, but is now frozen. Nothing shows up on Experian/Equifax.
So it may be Santander themselves who have found a "discrepancy" (as I suspect) or, it may be something on CIFAS, National Hunter or SIRAN.
I would think that a subject access request to Santander would cover anything received from (or sent to) CIFAS, National Hunter and SIRAN though? But perhaps I should write to them too, to be on the safe side.

CIFAS, hunter and siran are tools used at the account opening stage and a rarely rechecked after an account has been opened.
As your account has been opened you will have passed all the fraud & AML database checks. Reading through your thread I doubt they suspect you of anything untoward. Your accounts been frozen because you haven’t meet the ID requirements. Santander have obviously messed up by not adequately confirming both you and your partners ID at a/c opening and are now trying to cover themselves.

They probably only did an ID check on yourself and not your partner, and have now realised and tried to check your partner but been unable to confirm therefore needing paper ID.

slopemaster

worried_jim wrote: »

If one bank has completed a money laundering or suspicious account activity report other financial institution's are not aware of this, in fact if one dept of a bank completes it very often other depts will not be aware or able to find out to prevent tipping off the customer as this is a crime punishable with a large fine.
If you have been turned down by other banks after you have had an account closed I suspect it is because your account has been used for fraudulent activity, most common is the receipt of fraudulent funds in the shape of a stolen or washed cheque or an authorised electronic funds transfer. If this is the case give up trying to get a bank account as no bank will now go near you as this information is shared and can be seen by other financial institutions. Get your credit file as this may point in the right direction but I suspect you have burnt your bridges and even if you profess your innocence there is a perceived risk there to other banks and they will not be interested.

I;m a bit confused by this post?
My account hasn't been closed, it's been frozen. And I haven't been turned down by any other banks, it's just Santander. They opened this account about 6 weeks ago with only electronic ID checks. Then, when they'd transferred all the DDs and I'd paid money in, they suddenly blocked the account and asked for impossible ID. (The details are on the other thread.)
I wish they WOULD close it and return my money.

I really don't see in what way I have 'burnt my bridges'.
If Santander or the credit reference agencies or the fraud prevention agencies have incorrect information about me, they can be made to correct it under the data protection act, surely?

slopemaster

saf87 wrote: »

CIFAS, hunter and siran are tools used at the account opening stage and a rarely rechecked after an account has been opened.
As your account has been opened you will have passed all the fraud & AML database checks. Reading through your thread I doubt they suspect you of anything untoward. Your accounts been frozen because you haven’t meet the ID requirements. Santander have obviously messed up by not adequately confirming both you and your partners ID at a/c opening and are now trying to cover themselves.
They probably only did an ID check on yourself and not your partner, and have now realised and tried to check your partner but been unable to confirm therefore needing paper ID.

Oh, thanks for that. You're probably right as he does typically have more trouble than me with ID checks due to not being on electoral register (Yeah, I know... Maybe after this I can convince him.)

So we still have the problem of getting the money back from Santander, but that must be possible eventually.
Hopefully we don't have the worse problem of god-knows-what coming up if we apply for anything else.

saf87

slopemaster wrote: »

Oh, thanks for that. You're probably right as he does typically have more trouble than me with ID checks due to not being on electoral register (Yeah, I know... Maybe after this I can convince him.)

So we still have the problem of getting the money back from Santander, but that must be possible eventually.
Hopefully we don't have the worse problem of god-knows-what coming up if we apply for anything else.

There's your answer then, it is not possible to pass an electronic I'D check without being on the electrol roll. Santander have broken the law by opening the account before confirming both account holders ID have now realised and frozen the accounts.

This situation shouldn't effect your ability to open other accounts. Unless your partner has adverse fraud/Aml data which will now also have an association with you.

The best way to resolve is for your partner to get some address I'D.

datostar

slopemaster wrote: »

Oh, thanks for that. You're probably right as he does typically have more trouble than me with ID checks due to not being on electoral register (Yeah, I know... Maybe after this I can convince him.)

So we still have the problem of getting the money back from Santander, but that must be possible eventually.
Hopefully we don't have the worse problem of god-knows-what coming up if we apply for anything else.

I believe that failing to complete an Electoral Registration Form is an offence under paragraph 29 of the Representation of the People Regulations 1986. Proceedings may be brought by the Local Authority for the area in which the person is resident. Max. fine £2000.

As well as being deprived of the right to vote, people may find financial transactions difficult or impossible as the Electoral Register is the first thing they check.

slopemaster

saf87 wrote: »

There's your answer then, it is not possible to pass an electronic I'D check without being on the electrol roll. Santander have broken the law by opening the account before confirming both account holders ID have now realised and frozen the accounts..

Even though he has accounts with Santander already?
(Well, he does now - they're old Bradford and Bingley accounts)

slopemaster

And he managed to open accounts with Lloysds-TSB recently without being on the register.
Ohhh how I wish we never decided to open this account with Santander in order to get the 5% interest, and a decent rate on an ISA for OH....

saf87

Is it not possible for him to get some address ID?

If he is working ask for an official letter from his employer?

If receiving any benefits request an entitlement letter?

Is he registered with a doctor? If so they can provide a suitable letter.

Annisele

slopemaster wrote: »

Even though he has accounts with Santander already?
(Well, he does now - they're old Bradford and Bingley accounts)

Even so. Depending on how old the B&B accounts are, it's likely that the ID/AML requirements when they were opened were significantly less stringent than they are now, so Santander can't rely on any checking B&B did in the past.

slopemaster

Sigh. well, fair enough, but I just wish they had said, sorry, we can't open the account without further ID. That would have been fine. Instead we are now stuck - or rather our money is now stuck - until OH gets home from abroad, and we sort something out about ID in order to CLOSE this account.

thanks all for the input, anyway