Basic Bank Account Thread

united66

Although this thread sprang to mind Stokelady, read this:

https://forums.moneysavingexpert.com/discussion/3255774

Discussion on Maestro.

twentyninetimes

Just wanted to say that Barclays Wandsworth Town were great. Very quick and simple. :T
I walked in and asked a woman about opening a basic bank account with no overdraft and only a cashcard. She asked if I was employed at the moment and when I said yes, asked if I was sure I only wanted a basic account. I said yes, I was certain. She got me a form to fill in (just basic name, address, date of birth etc), photocopied my ID and that was that. I was there 10 minutes I reckon.
Very pleased, since after reading some of the posts here I was expecting a bit of a fight!

pmduk

I imagine they'd give you a key account without much of a problem (which comes with a Visa Debit card). Remember if you're in England or Wales you might want to open it at a Scottish branch to avoid Santander.

Bretheren

I have given up I can't get an account at any bank. Yet I have never been made bankrupt I dont think they apply the criteria they claim too I feel I am being victimised without explanation

pmduk

Bretheren have you checked your credit record to see if there are any CIFAS markers?

Bretheren

pmduk wrote: »

Bretheren have you checked your credit record to see if there are any CIFAS markers?

What are they? Will it show on an experian report if I request one?

united66

Bretheren wrote: »

What are they? Will it show on an experian report if I request one?

Fraud markers, if you have any record of Fraud on your Credit Report, 99% of banks won't accept you as a customer - fact. I'd suggest ordering your 3 main credit reports to get it checked out.

pmduk

Bretheren sorry for the delay, I've not checked the thread! United66 has already answered your query though.CIFAS markers are one of the major reasons people have problems getting accounts.

Bretheren

united66 wrote: »

Fraud markers, if you have any record of Fraud on your Credit Report, 99% of banks won't accept you as a customer - fact. I'd suggest ordering your 3 main credit reports to get it checked out.

How would this arise I have never committed any fraud or been accused of such an offence?

Thanks for your help

pmduk

It's often done as a result of suspicion. Google National Hunter who are another cause of rejection