Ex prisoner can't open a bank account

stclair

lottieholder wrote: »

Barclays turned him down, Halifax technically have his account but have refused to let him use it, the others have all turned him down although Santander and RBS are happily receiving his money but in my name.

He can't improve his credit rating unless he can get an account in his name.

The house he is renting required the rent to be paid out of an account in his name. He is dating the estate agent dealing with it.

What type of accounts is he applying for? Have they checked there credit file to see what information they hold.

colsten

What is on his credit file?

Could he have a CIFAS marker?

lottieholder

Advice I have from one of the links is that I should contact my MP. Now my MP is a brilliant constituency MP and I have had dealings with him several times over the last few years. He isn't holding local surgeries at the moment and I know from experience that face to face is the best way to get his attention.

His politics aren't mine but he's generally a person interested in his voters. I will write to his office but would have preferred to speak to him personally.

lottieholder

colsten wrote: »

What is on his credit file?

Could he have a CIFAS marker?

He went bankrupt whilst he was in prison because he had given his girlfriend PoA. They then broke up and out of spite she signed him up to several contracts with no intention of paying them. The only way he could stop them was by applying for bankruptcy.

He was discharged before he got out.

colsten

Does his credit file still show a financial association with her? If so, it needs breaking.

I am not sure what happens to a POA when it gets revoked - has it been fully revoked?

What about a CIFAS marker? Is he certain he hasn't got one?

Your son (with your help) definitely should speak to https://www.unlock.org.uk, as has already been suggested. By all means, also speak to the MP, but going to unlock is likely to yield more tangible results a lot faster.

FutureGirl

lottieholder wrote: »

Now that is an even more interesting question. I needed to insure his works van and the insurance companies not only knew about his conviction but also what tariff he still has. I had to insure it in my name with him as the named driver.

So I assume the banks have access to the same information.

Do you drive the van more than him? If not, I'd be careful as this is fronting.

Norman_Castle

http://hub.unlock.org.uk/knowledgebase/opening-basic-bank-account-community/

Now that is an even more interesting question. I needed to insure his works van and the insurance companies not only knew about his conviction but also what tariff he still has. I had to insure it in my name with him as the named driver.

He has to declare his conviction to insurers until it is spent. I believe its a criminal offence to pass on information involving convictions.

http://hub.unlock.org.uk/knowledgebase/insurance-convictions-simple-guide/

http://hub.unlock.org.uk/section/money-and-finance/personal-insurance/

GingerBob_3

Looks like it's the bankruptcy that's causing the problems.

maninthestreet

He didn't rob a bank, did he?

chambta

There's more to it than the prison sentence.