Lloyds closed my accounts hard getting new one

gunsandbanjos

themadhouse wrote: »

TSB said credit score

So it was a straight decline, the minute you applied? Was this in branch or online?

themadhouse

This was done online withe TSB. I get the impression going into branch I may be able to encourage them to open an account by showing myself to be competent.

gunsandbanjos

themadhouse wrote: »

This was done online withe TSB. I get the impression going into branch I may be able to encourage them to open an account by showing myself to be competent.

What exactly was the message onscreen when you were declined, was it an immediate sorry you don't meet our criteria type message?

I don't think going into the branch will make any difference.

gunsandbanjos

Getting a straight decline for a current account implies very serious issues, what type of account are you applying for?
Is it a basic cash account? Or one with an overdraft/additional features.

themadhouse

Natwest -= We made our decision using information we received from a Credit Reference search, which we carry out as part of the application process. We can’t share the details of this search with you, however, you can contact Equifax plc and they’ll be able to provide you with this information for a fee of £2 - we’ve noted their details below. You’ll need to tell them any addresses you’ve lived at for the last 6 years.

themadhouse

Not immediate took several days too - guessing my applications are automatically being referred.

gunsandbanjos

themadhouse wrote: »

Not immediate took several days too - guessing my applications are automatically being referred.

Ah, this is helpful, this is not a credit decline then. It is very hard to get a credit decline for a basic bank account!!!

Not possible to know whether it's a credit or fraud refer if it was declined several days later.

themadhouse

I have an appointment with Barclays shortly but have a £1,000 debt with Barclaycard from 4 - 5 years ago. May this be a problem - I am making this a highest of priority once my account situation is resolved.

themadhouse

Update: Been in with Barclays said they just needed to do a fraud check, pressed some buttons, account set up account number and sort code give? I asked if it was 100% no issues etc and the person setting the account up said it was fine. I am not sure whether to expect a follow up letting closing the account or if it really is sorted and check was done there and then?

MABLE

robatwork wrote: »

Hmm.... this was deleted yesterday or went missing anyway...should be about post #60... make of that what you will.. it's hardly insulting or breaking any rules - but it was emailled to me which is why I can paste it (of course if this is just missing for me and visible to everyone else, let me know):

Posted by: robatwork
On: 05-07-2015 9:05 AM


---Quote (Originally by Archi Bald)---

Those who have been here for a while know that jonesMUFCforever isn't a troll.
---End Quote---
This is true - he's been here forever, even longer than me. Questionable taste in football teams and probably a user ID he regrets now though

Seems a few threads here in the last week have been pulled or edited, some links also not working... dark forces are at work chez MSE forums.
************

Anyone thinking jonesMUFCforever is a troll is like saying the Queen is not royalty. Yours outraged.