switching accounts and credit files

innovate

Heng_Leng wrote: »

People on here have found their current account closed (by the bank)

There has always been a reason when this happened, such as debt not being settled or other circumstances that made the bank decide they would not wish to have the person as a customer any longer.

If you manage your account well, have no suspicious transactions happening and stay polite in your dealings with the bank, they won't have any reason to close your account. In very exceptional cases, they might ask you to 'upgrade' to a more current version of account - though usually they will offer some benefits to doing so, so you will probably want to move yourself.

BugsyBrowne

innovate wrote: »

There has always been a reason when this happened, such as debt not being settled or other circumstances that made the bank decide they would not wish to have the person as a customer any longer.

If you manage your account well, have no suspicious transactions happening and stay polite in your dealings with the bank, they won't have any reason to close your account. In very exceptional cases, they might ask you to 'upgrade' to a more current version of account - though usually they will offer some benefits to doing so, so you will probably want to move yourself.

Stay polite can you elaborate on that?

Do you mean when they say jump you say how high?

innovate

BugsyBrowne wrote: »

Do you mean when they say jump you say how high?

Most certainly not, no.

I mean stay polite with staff when you don't get your way (e.g. no overdraft, no refund of charges).

System

Banks can and do close accounts - either with notice and immediately in some circumstances.

That said, surely even a case of not putting all your eggs in one basket?!

innovate wrote: »

Most certainly not, no.

I mean stay polite with staff when you don't get your way (e.g. no overdraft, no refund of charges).