Yorkshire Bank CC application and credit search

splashproof

I applied for a credit card with Yorkshire bank, and quite reasonably have been asked to take some documents into my local branch. However, my local branch is not open on a Saturday, and there is no branch near to my workplace 50 miles away.

I have the option of a 120 mile round trip to another Yorkshire Back branch on a Saturday, or I can supply certified copies by post....however, both are equally prohibitive and grounds of cost. Therefore, I will look into other CC providers who have branches open to me on a Saturday.

My question is this, I want to avoid credit search footprints on my CRF, so can anyone tell me if Yorkshire Bank would have already searched my credit file ? I have asked Yorkshire Bank and they said they didn't know !

YorkshireBoy

The CRAs will be able to tell you. Cost will be between nothing and £6, almost as much as certification?

splashproof

YorkshireBoy wrote: »

The CRAs will be able to tell you. Cost will be between nothing and £6, almost as much as certification?

Where can certification of documents be had for £6 ?


I contacted four local solicitors offices and the prices quoted ranged from £50 and £90. I don't know anyone who fits Yorkshire banks criteria to certify my documents apart from the local solicitors.


As for checking my CRF, I was hoping it was a question Yorkshire Bank could answer so I could submit another application by close of business today rather than wait for Experian and Equifax to post a copy out to me, and wait until end of July before I can access my next one from Callcredit.

MallyGirl

splashproof wrote: »

My question is this, I want to avoid credit search footprints on my CRF, so can anyone tell me if Yorkshire Bank would have already searched my credit file ? I have asked Yorkshire Bank and they said they didn't know !

Not exactly the same scenario but I applied for an HSBC bank account and had to supply ID. The search is on there but it is classified as 'no impact on score' so I guess that it was a soft search at this point

YorkshireBoy

splashproof wrote: »

Where can certification of documents be had for £6 ?

Don't the Post Office offer a service for around £8?...although I'm not sure they're on YB's approved list?

Anthorn

Strange as it may seem the prime place to get a copy of a document certified as a true copy is ... wait for it ... a bank.

Anyway here's what the government says about it:
https://www.gov.uk/certifying-a-document

System

Banks will normally only certify documents for their own institution or a sister bank e.g. NatWest for RBS.

Anthorn wrote: »

Strange as it may seem the prime place to get a copy of a document certified as a true copy is ... wait for it ... a bank.

Anyway here's what the government says about it:
https://www.gov.uk/certifying-a-document

splashproof

YorkshireBoy wrote: »

Don't the Post Office offer a service for around £8?...although I'm not sure they're on YB's approved list?

The post office do indeed certify 3 documents for around that price, however, Yorkshire Bank - over the phone - could not tell me if that would be an acceptable method. I'm unable to find anything online either.


In addition, my own bank will not certify documents for another institution.


The only method is via a solicitor, or a long drive on my day off work.Its frustrating to live within 2 miles of a Yorkshire Bank branch that's not open on a Saturday.


If I can establish no hard search has been carried out, I will apply with another bank - that's in my town and open on a Saturday.

takman

splashproof wrote: »

The post office do indeed certify 3 documents for around that price, however, Yorkshire Bank - over the phone - could not tell me if that would be an acceptable method. I'm unable to find anything online either.


In addition, my own bank will not certify documents for another institution.


The only method is via a solicitor, or a long drive on my day off work.Its frustrating to live within 2 miles of a Yorkshire Bank branch that's not open on a Saturday.


If I can establish no hard search has been carried out, I will apply with another bank - that's in my town and open on a Saturday.

Is it not an option to take a couple hours on a weekday morning as holiday then you can go to the bank first thing and then go work after?. Or even ask work if you can start late and make the time up by working a couple extra hours that night?.

Also how did you get on with getting copies of your credit reports:

https://forums.moneysavingexpert.com/discussion/5467057

Did they show that you were on the electoral roll?. That could be why they need documents from you.

splashproof

takman wrote: »

Is it not an option to take a couple hours on a weekday morning as holiday then you can go to the bank first thing and then go work after?. Or even ask work if you can start late and make the time up by working a couple extra hours that night?.

Also how did you get on with getting copies of your credit reports:

https://forums.moneysavingexpert.com/discussion/5467057

Did they show that you were on the electoral roll?. That could be why they need documents from you.

I checked my details on the electoral roll and they're all fine. Other financial applications went through fine last week.


I'll have to explore the time of work option with my employer.


Indeed, I'm sure the documents are in relation to my absence from any CRF, but I have no problem providing the ID, its understandable in this climate. Its just the practicality of achieving it. Noodle are quite helpful and are currently helping out. I've yet to have any solid resolution from the other two CR agencies.