First Direct Current Account application

giblet10

Just looking for others' experiences really.

I applied for an FD account about three weeks ago - they phoned me within the first week since applying asking for a certified document or PAYE coding notice - I sent them the coding notice.

They've phoned again today querying my employers address as it's in London despite me living in Yorkshire - basically I work from home as my role is primarily field based. She seemed to go away happy.

I'm hoping after all this that my application has been successful - why I didn't just walk into a high street bank I don't know - it's been anything but simple so far..

Has anyone else had a similar experience?

BugsyBrowne

giblet10 wrote: »

Just looking for others' experiences really.

I applied for an FD account about three weeks ago - they phoned me within the first week since applying asking for a certified document or PAYE coding notice - I sent them the coding notice.

They've phoned again today querying my employers address as it's in London despite me living in Yorkshire - basically I work from home as my role is primarily field based. She seemed to go away happy.

I'm hoping after all this that my application has been successful - why I didn't just walk into a high street bank I don't know - it's been anything but simple so far..

Has anyone else had a similar experience?

I would of stuck two fingers up and walked into a high street branch.

stclair

When I applied for a first direct current account along time ago it was quiet a painful process.

They wanted reassurance my salary would be paid direct into my account. Said this would not be possible working for a bank I have to have my salary paid into a RBSG account.

They even called me at work to verify my employment status etc.

meer53

BugsyBrowne wrote: »

I would of stuck two fingers up and walked into a high street branch.

That just shows that high street branches will accept whatever anyone tells them without checking.

stclair

However I do appreciate first direct are quiet choosy who they accept as customers.

HeadAboveWater

I only opened my FD account a few months ago. Only problem I had was providing enough ID as I'd recently moved in with OH so no bills were in my name, and all banking/mobile stuff is done online with nothing being posted out! Otherwise pain free!!

giblet10

stclair wrote: »

However I do appreciate first direct are quiet choosy who they accept as customers.

I don't mind if I don't get the account, like I say from a timing point of view I'd have been all set up by now if I'd walked into a high street bank.

It just seems a bitty process..phoning me with questions as they progress through the application instead of just agreeing the application in principle subject to me answering a list of queries..that's the way I would do it anyway..but that's me..and I still don't know if I have the account!

mgdavid

I opened an FD account last week, all online, took about an hour all told, including setting up security on the phone.

giblet10

So instead of sitting here pondering, I phoned them and sensing my less than buoyant mood she put me on hold - then came back and said the account's open - the card and stuff will be with you later this week.

izools

The information you supplied must have triggered a further query alert when they referenced N Hunter. First Direct are very sensitive and any slightly awry information is scrutinized fully as you've found out...

Making sure there are no discrepancies between the information you provide on applications to banks / lenders / etc reduces the likelihood of an N Hunter alert being triggered prompting the financial institute to ask for more information.

giblet10

izools wrote: »

The information you supplied must have triggered a further query alert when they referenced N Hunter. First Direct are very sensitive and any slightly awry information is scrutinized fully as you've found out...

Making sure there are no discrepancies between the information you provide on applications to banks / lenders / etc reduces the likelihood of an N Hunter alert being triggered prompting the financial institute to ask for more information.

That sounds right izools - this is my first credit application since my employer shut its Yorkshire site and moved everything to London address - so what I said was totally honest but certainly different to the information held by N Hunter..