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Opening a bank account but not on electoral register?

I-Promise-To-Try
I-Promise-To-Try Posts: 61 Forumite
in Budgeting & bank accounts
Just wondering if there was any point in my bro applying? He's been without a permanent home for the past few years, dossing down with friends etc, therefore is not on the electoral register anywhere.

He has some proof of id - driving licence, hmrc letters I think.

He is looking to open an account - basic or whatever he can get - but I advised him he may have trouble doing so.

Can anyone advise any banks that may be able to help?

Cheers :beer:
«1

Comments

  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    I wouldn't apply without being on the Electoral Roll.
  • innovate
    innovate Posts: 16,217 Forumite
    10,000 Posts Combo Breaker
    Me neither.

    It costs nothing, apart from your time, to get on the ER.
  • DCFC79
    DCFC79 Posts: 40,649 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Mayb eits time he got himself registered on the ER.
  • sennypijama
    sennypijama Posts: 124 Forumite
    innovate wrote: »
    Me neither.

    It costs nothing, apart from your time, to get on the ER.

    It costs nothing, apart from your time, to apply for a bank account.
  • innovate
    innovate Posts: 16,217 Forumite
    10,000 Posts Combo Breaker
    sennypijama wrote: »
    It costs nothing, apart from your time, to apply for a bank account.

    Costs you a search on your credit files each time you apply.

    Not being on the ER could mean a wasted search.

    Many searches in a short space of time could mean you get turned down by default on subsequent applications.
  • jpb77
    jpb77 Posts: 139 Forumite
    edited 11 October 2012 at 9:19PM
    Im not on the ER and managed to get a full account with an offline debit card, OD, cheque book etc. So it is possible!
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • I-Promise-To-Try
    I-Promise-To-Try Posts: 61 Forumite
    Thanks for your replies everyone :)

    My bro would love to be on the er, but simply has no permanent address that he can use :( Our dad allows him to use his address for mail purposes, but our dad too scared of being fined for adding him to his address for the er purposes (due to the large writing on the form that he has to sign stating that false info will lead to prosecution etc!).
  • I-Promise-To-Try
    I-Promise-To-Try Posts: 61 Forumite
    jpb77 wrote: »
    Im not on the ER and managed to get a full account with an offline debit card, OD, cheque book etc. So it is possible!

    What bank if you don't mind me asking? (pm me if you prefer :) )
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If he has a driving licence - what address is on it/ Is he living there?
    If not it is of no use to him.
    Same with HMRC correspondence.
  • jpb77
    jpb77 Posts: 139 Forumite
    I-Promise-To-Try wrote: »
    What bank if you don't mind me asking? (pm me if you prefer :) )

    I've PMd you!
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
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