Santander Check on My File

Birdman2015

I received my monthly credit report yesterday and noticed a search on it from Santander with "anti money laundering " against it.

At the time this was done I had opened a couple of new current accounts to put some savings into and had moved some money around for me to do this. I had received a couple of calls from the Santander fraud department asking me to confirm that these transactions were genuine.

Can they perform a credit check on you without your approval/knowledge?

luis1988

Is it a hard or a soft search? I opened a betting account recently as they were doing better offers than my current one (I only stick a fiver on every home game week) and was surprised to see a soft search appear on my record! It stated it was just for ID verification.

molerat

If you have an account with them they have not done it without your approval - read the t&cs you agreed to.

GingerBob_3

Birdman2015 wrote: »

I received my monthly credit report yesterday and noticed a search on it from Santander with "anti money laundering " against it.

At the time this was done I had opened a couple of new current accounts to put some savings into and had moved some money around for me to do this. I had received a couple of calls from the Santander fraud department asking me to confirm that these transactions were genuine.

Can they perform a credit check on you without your approval/knowledge?

Any organisation with access to the CRA honey pots - and that is a very number of organisations - can smack you with a credit check and report your accounts WITHOUT YOUR CONSENT, implicit or explicit.

SnowTiger

Birdman2015 wrote: »

I received my monthly credit report yesterday and noticed a search on it from Santander with "anti money laundering " against it.

At the time this was done I had opened a couple of new current accounts to put some savings into and had moved some money around for me to do this. I had received a couple of calls from the Santander fraud department asking me to confirm that these transactions were genuine.

Can they perform a credit check on you without your approval/knowledge?

It was an ID check. You gave permission.

From Santander's General Terms and Conditions:

Checking your identity and fraud checks

Before we can open your account(s), or set up your policy, in order to prevent or detect fraud we will check and share the information provided in the application or at any stage with fraud prevention agencies, and may make searches at credit reference agencies who will supply us with information about your identity. Scoring methods may be used to check your identity. A record of this process will be kept that may be used to help other companies to check your identity.