Under 18 and refused account???

cheesetoast

I wonder if it's possible to have a CIFAS marker at age 16?

Do you have a copy of the "invitation" letter that Lloyds sent him, that you can scan and post? (Minus any personal details of course). Or can you tell us what department (top right of the letter) sent it?

Westie983

Like JonesMUFU, said I find it strange that the new account wasnt opened first then the saver account balance transfered into the new account on closure.

That is the practice LBG banks should use, unless the customer is just closing the account and the funds are either given back as cash or transfered into a external bank account already held, either way the account the funds are going too, is already opened.

If your stepson is being rejected from three banks I would check out his credit file to see if anything is on there that is stopping him,

Failing this I would open a savings account as an alternative in the meantime while you are sorting out the issues, when the account was declined where you not given information on what to do next, (check credit files,) you may need to wait six months before trying again for a banking facility.

Westie983

eskbanker

Westie983 wrote: »

If your stepson is being rejected from three banks I would check out his credit file to see if anything is on there that is stopping him

To the best of my knowledge under 18s can't get credit so I'd have thought that they wouldn't have credit files at 16 either!

Westie983

eskbanker wrote: »

To the best of my knowledge under 18s can't get credit so I'd have thought that they wouldn't have credit files at 16 either!

Sorry I read OP post as 18, you are quite right, they dont have a credit file till 18.

Thanks for pointing this out.

Westie983