Need advice , llyods have closed my account

Johnsear

Guys sorry to bring this back up again, 3 months on, I closed the llyods account, my Hsbc and Santander accounts have been fine and I did not receive a notice to close them,
However, I recently applied for a cooperative bank account and got rejected, re checked my credit report and it is spotless,
Could llyods have put an account misuse indicator to warn other banks? If they can where can they do this?

Ed-1

Johnsear wrote: »

Guys sorry to bring this back up again, 3 months on, I closed the llyods account, my Hsbc and Santander accounts have been fine and I did not receive a notice to close them,
However, I recently applied for a cooperative bank account and got rejected, re checked my credit report and it is spotless,
Could llyods have put an account misuse indicator to warn other banks? If they can where can they do this?

What did the Co-op rejection letter say?

You could subject access request CIFAS, National Hunter and Synectics Solutions to see if anything adverse is on them (and even Lloyds themselves). These are all fraud prevention agencies. It costs £10 each.

Johnsear

It just said ,"thank you for your recent application to open an account with the CO-operative bank. Unfortunately, after careful consideration we are unable to open the account that you have requested.

My cifas was clear guess I'll have to try NH now to see if there's something on there,
I spoke with someone over the phone they have given me an address to write to , PO box 300 at skelmersdale, worryling it's there fraud department,

SLZ

Johnsear wrote: »

It just said ,"thank you for your recent application to open an account with the CO-operative bank. Unfortunately, after careful consideration we are unable to open the account that you have requested.

My cifas was clear guess I'll have to try NH now to see if there's something on there,
I spoke with someone over the phone they have given me an address to write to , PO box 300 at skelmersdale, worryling it's there fraud department,

Check your file for CIFAS then follow up to get it removed. I will say that you're not missing out with Co-Op Bank, it's a dreadfully useless bank without a purpose.

Ed-1

SLZ wrote: »

Check your file for CIFAS then follow up to get it removed. I will say that you're not missing out with Co-Op Bank, it's a dreadfully useless bank without a purpose.

Presumably CIFAS has already been checked as OP said it's clear.

OP: Did you check CIFAS through a subject access request directly to them rather than through your credit file (as adverse CIFAS entries don't show on credit files)?

adindas

In the past I have around £30,000 (?) money movement in a month in LBG. I am currently doing weekly movement from LBG + TSB to another UK banks worth more than £50.000 a month to maximise interest and some short of stoozing. All of that in a very short period, a few second up to 2-3 days.

I have personal experience dealing with the incompetent staff when tried to open a new bank account in LBG. They keep asking me why you have so much money come in and out in your bank accounts every month. I keep telling her that to maximize interest, but she still could not understand might be due to her lacking of experience. Only with the intervention of her supervisor I could escape. The senior staff only asked one question to me how much money you have in total in UK bank account. When they know I have more than £50, 000,- spread among UK banks he said I could not see any problem at all.

Sometimes it is a matter of luck, you get pick up by either of a picky staff, an inexperience staff, a lazy staff who does not want to investigate further and you are out of luck. You could call them an idiot who should never be working in the finance industry in the first instance. The problem here is that it is not in your control who you be dealing with.

Ed-1

adindas wrote: »

In the past I have around £30,000 (?) money movement in a month in LBG. I am currently doing weekly movement from LBG + TSB to another UK banks worth more than £50.000 a month to maximise interest and some short of stoozing. All of that in a very short period, a few second up to 2-3 days.

I have personal experience dealing with the incompetent staff when tried to open a new bank account in LBG. They keep asking me why you have so much money come in and out in your bank accounts every month. I keep telling her that to maximize interest, but she still could not understand might be due to her lacking of experience. Only with the intervention of her supervisor I could escape. The senior staff only asked one question to me how much money you have in total in UK bank account. When they know I have more than £50, 000,- spread among UK banks he said I could not see any problem at all.

Sometimes it is a matter of luck, you get pick up by either of a picky staff, an inexperience staff, a lazy staff who does not want to investigate further and you are out of luck. You could call them an idiot who should never be working in the finance industry in the first instance. The problem here is that it is not in your control who you be dealing with.

Any more threads you can find to copy and paste this into? :rotfl:

System

Lots - Brexit seems to have got him/her all in a flutter.

Ed-1 wrote: »

Any more threads you can find to copy and paste this into? :rotfl:

Ed-1

Heng_Leng wrote: »

Lots - Brexit seems to have got him/her all in a flutter.

Well there's been plenty of account closure threads in the recent past - mostly all about LBG so there's plenty more!

Johnsear

Surely though if there was a fraud marker against my name wouldn't Hsbc and Santander close my account too?