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Any ideas what it might be?

2

Comments

  • IainHL
    IainHL Posts: 227 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Is it possible you were not showing as on the electoral roll at the address when you applied for the basic bank account 4 months ago?

    I believe that is what the credit check with a basic bank account would be used for, to verify your address information.
  • quantic
    quantic Posts: 1,024 Forumite
    Part of the Furniture Combo Breaker
    I'm pretty sure we are on the electoral roll but perhaps there was a problem I will look into it tonight.
  • The_Boss
    The_Boss Posts: 5,864 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    quantic wrote: »
    I'm pretty sure we are on the electoral roll but perhaps there was a problem I will look into it tonight.

    Do you already have a current account?
  • quantic
    quantic Posts: 1,024 Forumite
    Part of the Furniture Combo Breaker
    The_Boss wrote: »
    Do you already have a current account?

    Sorry I had replied to this but doesn't seem to have worked. Yes, already have a current account with Barclays, 2 ISAs and a eSavings account.
  • The_Boss
    The_Boss Posts: 5,864 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    quantic wrote: »
    Sorry I had replied to this but doesn't seem to have worked. Yes, already have a current account with Barclays, 2 ISAs and a eSavings account.

    Looks like that is why they have declined you then.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    quantic wrote: »
    Sorry I had replied to this but doesn't seem to have worked. Yes, already have a current account with Barclays, 2 ISAs and a eSavings account.

    Why the need for another current account?
  • The_Boss
    The_Boss Posts: 5,864 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 28 May 2013 at 12:03PM
    Thrugelmir wrote: »
    Why the need for another current account?

    This is really it. If the OP had applied to a rival lender they would likely have succeeded. The incentive there is that this may result in a migration from using Barclays products to theirs.

    Barclays have no incentive to offer this account when the OP already has a current account and multiple other accounts with them. They may have been deemed ineibigle as soon as the check detected an account on their books already, although that would be unlikely if the OPs spouse already has a Barclays current account.
  • quantic
    quantic Posts: 1,024 Forumite
    Part of the Furniture Combo Breaker
    I wanted to open a basic joint account with my partner, she was approved for it but I wasnt.
  • The_Boss
    The_Boss Posts: 5,864 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    quantic wrote: »
    I wanted to open a basic joint account with my partner, she was approved for it but I wasnt.

    Does she have any accounts with Barclays?
  • quantic
    quantic Posts: 1,024 Forumite
    Part of the Furniture Combo Breaker
    The_Boss wrote: »
    Does she have any accounts with Barclays?

    Yep she has a current account and a esavings account.
This discussion has been closed.
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