Bank of ireland

dumpyboy

Tried to open second current account, have flex with nationwide, went to the post office fill in form ,declined the women said it s internal D O C they are the bank of Ireland who are linked to on this list
Bank of Scotland
Sainsbury
American Express
Tesco,
Mbna
Barclays Bank
City cards
Capitol one
Nationwide
Do people think these will all ways hold information on you

jonesMUFCforever

dumpyboy wrote: »

Tried to open second current account, have flex with nationwide, went to the post office fill in form ,declined the women said it s internal D O C they are the bank of Ireland who are linked to on this list
Bank of Scotland
Sainsbury
American Express
Tesco,
Mbna
Barclays Bank
City cards
Capitol one
Nationwide
Do people think these will all ways hold information on you

What are you asking because as far as I know BofI have no connection with the banks on your list.

Thrugelmir

Why do need a second current account with a different bank?

dumpyboy

Thrugelmir wrote: »

Why do need a second current account with a different bank?

I thought as a back up so can excess money if anything happened to nationwide or my card, thought that that post office was not linked to any one in the list but could not figure out when the women says they could not offer me any account because of a internal D O C note

National_Debtline

The major banking groups can be seen on this website:

www.lendingstandardsboard.org.uk/registered-firms

It says that the Post Office distribute BOI products but I can’t see a connection with any of the others you mention.

James
@natdebtline

System

If your application has any issues (or is borderline) then it might get sent for a manual review by an underwriter.

This may have happened and they've chosen not to approve your application.

Plenty more fish in the 'banking' sea!

dumpyboy

Heng_Leng wrote: »

If your application has any issues (or is borderline) then it might get sent for a manual review by an underwriter.

This may have happened and they've chosen not to approve your application.

Plenty more fish in the 'banking' sea!

It de was done by the women on the counter , put the my details in for standard current account it came back decline I asked why and she said to a internal D O C ,asked he what it meant ,she said she s no idea her guess it s internal information as it s all it said declined internal D O C

dumpyboy

In our twin we only have Barclays,lyods,nation wide(who I am with) Norwich and peterbourgh who rejected me a couple of years ago so l thought I try the post office

dumpyboy

jonesMUFCforever wrote: »

What are you asking because as far as I know BofI have no connection with the banks on your list.

Other then nationwide they are people I was owing money when I got in trouble in 2007

PaulW922

I think that other posters thought you were suggesting a link between these companies, which you are not. They are not themselves necessarily linked, but if you have defaulted or got into arrears on any credit products, including bank accounts then all potential providers will have access to this information. They will check the credit agencies and see it. They do not need to be linked.

if you started defaulting and getting into arrears on accounts in 2007 then they may still be shown. A defaulted account shows for six years after the date of default and accounts in arrears (but not formal default) show for a period of six years after closure. I think that you need to check your files at Experian and Equifax before you apply for anything else.

dumpyboy

PaulW922 wrote: »

I think that other posters thought you were suggesting a link between these companies, which you are not. They are not themselves necessarily linked, but if you have defaulted or got into arrears on any credit products, including bank accounts then all potential providers will have access to this information. They will check the credit agencies and see it. They do not need to be linked.

if you started defaulting and getting into arrears on accounts in 2007 then they may still be shown. A defaulted account shows for six years after the date of default and accounts in arrears (but not formal default) show for a period of six years after closure. I think that you need to check your files at Experian and Equifax before you apply for anything else.

My credit file is clean, all the defaulted account gone,I was just checking they were not linked, leave it a little longer and try again