Metro Bank -now accepting online applications

SnowTiger

Isn't all this talk about sheltered accommodation a red herring?

Metro bank says:

6. Special circumstances

If you can’t provide some of the documents we normally need for verification you can still apply for our Cash Account and/or savings accounts, and we’ll accept the following:

[...]

People in care homes or sheltered accommodation: A personal letter from the manager of your care home or from the warden of your sheltered accommodation (addressed to Metro Bank, One Southampton Row, London WC1B 5HA).

That doesn't mean people who live in shelter accommodation must provide a letter from the warden. It's offered as an alternative.

It's only applicable to punters who want to open Cash Account or savings account. Anthorn didn't attempt to open either of those.

ValiantSon

SnowTiger wrote: »

Isn't all this talk about sheltered accommodation a red herring?

Metro bank says:



That doesn't mean people who live in shelter accommodation must provide a letter from the warden. It's offered as an alternative.

It's only applicable to punters who want to open Cash Account or savings account. Anthorn didn't attempt to open either of those.

Thank you. That is what I have been saying.

Anthorn is very fond of his red herrings, however.

eskbanker

ValiantSon wrote: »

Thank you. That is what I have been saying.

Anthorn is very fond of his red herrings, however.

It's practically impossible to try to follow his meandering digressions and illogical cul-de-sac diversions without a certain image coming to mind, albeit one of somebody deliberately being amusingly entertaining....

Anthorn

It appears that some people replying in this thread are severely lacking in the comprehension skills department. Either that or they blindly defend metro Bank without stating their justification.

Let's look at what we have so far:

In the case of my application Metro Bank did not do what they said they did. They did not search my credit history on Equifax. What they were then left with is the information in my application which is age, employment and income. They rejected my application exclusively on those parameters. The inescapable fact that I have never ever been rejected for a bank account including U.K. banks and French banks speaks for itself. It's tempting for me to apply at a different U.K. bank just to see the outcome.

Metro Bank treats residents of sheltered housing differently from residents of regular housing. That is proved by their own proof of residency requirements stated on their own website. Metro Bank requires proof of residency in sheltered housing in the form of a personal letter from who they call the "Warden" which is actually the Manager. I live in a block of flats which also has a Manager so why don't I have to produce a personal letter from her?

Now I would say that any reasonable person viewing those facts would point to discrimination!

Lastly in my own personal experience Metro bank is not the bees-knees of challenger banks they are purported to be. That title in my opinion goes to Starling Bank. If the future of U.K. banking is Metro Bank then the future of U.K. banking is very bleak indeed.

ValiantSon

Anthorn wrote: »

It appears that some people replying in this thread are severely lacking in the comprehension skills department. Either that or they blindly defend metro Bank without stating their justification.

:rotfl::rotfl::rotfl::rotfl::rotfl:

Namely, you.

Anthorn wrote: »

Let's look at what we have so far:

In the case of my application Metro Bank did not do what they said they did. They did not search my credit history on Equifax. What they were then left with is the information in my application which is age, employment and income. They rejected my application exclusively on those parameters. The inescapable fact that I have never ever been rejected for a bank account including U.K. banks and French banks speaks for itself. It's tempting for me to apply at a different U.K. bank just to see the outcome.

We've been over this again and again. You are just too pig-headed to admit that you are wrong.

Anthorn wrote: »

Metro Bank treats residents of sheltered housing differently from residents of regular housing. That is proved by their own proof of residency requirements stated on their own website. Metro Bank requires proof of residency in sheltered housing in the form of a personal letter from who they call the "Warden" which is actually the Manager. I live in a block of flats which also has a Manager so why don't I have to produce a personal letter from her?

No they don't, and no it isn't. This has been explained and demonstrated to you repeatedly, but your pig-headedness still won't accept it.

Anthorn wrote: »

Now I would say that any reasonable person viewing those facts would point to discrimination!

Any reasonable person who lacks basic comprehension and reasoning skills may do.

Anthorn wrote: »

Lastly in my own personal experience Metro bank is not the bees-knees of challenger banks they are purported to be. That title in my opinion goes to Starling Bank. If the future of U.K. banking is Metro Bank then the future of U.K. banking is very bleak indeed.

What has this got to do with any of the [STRIKE]banging our heads against the wall[/STRIKE] discussion so far?

You have been proven wrong and still you won't give up. Sadly there are people like you who just cannot accept that they can possibly be wrong and that all of their prejudices are correct. Nobody will ever persuade you of anything, irrespective of the wealth of evidence and reasoning, because you believe yourself to always be right.

I've had enough of this. You are wrong.

SnowTiger

Anthorn wrote: »

It appears that some people replying in this thread are severely lacking in the comprehension skills department. Either that or they blindly defend metro Bank without stating their justification.

Let's look at what we have so far:

In the case of my application Metro Bank did not do what they said they did. They did not search my credit history on Equifax. What they were then left with is the information in my application which is age, employment and income. They rejected my application exclusively on those parameters. The inescapable fact that I have never ever been rejected for a bank account including U.K. banks and French banks speaks for itself. It's tempting for me to apply at a different U.K. bank just to see the outcome.

Metro Bank treats residents of sheltered housing differently from residents of regular housing. That is proved by their own proof of residency requirements stated on their own website. Metro Bank requires proof of residency in sheltered housing in the form of a personal letter from who they call the "Warden" which is actually the Manager. I live in a block of flats which also has a Manager so why don't I have to produce a personal letter from her?

Now I would say that any reasonable person viewing those facts would point to discrimination!

Lastly in my own personal experience Metro bank is not the bees-knees of challenger banks they are purported to be. That title in my opinion goes to Starling Bank. If the future of U.K. banking is Metro Bank then the future of U.K. banking is very bleak indeed.

Metro Bank likely rejected your application due to your low income.

They don't require residents in sheltered accommodation to provide proof of residency from their accommodation's manager or warden. This is what is says on their website:



Read it. Then read it again. Then read it again.

It's aimed at people who apply for a Cash account and/or savings account and can't supply other requested documentation.

Their Cash account appears to be a basic account that can only be open at one of their stores.

Wait... pause... read it again.

You don't appear to have a very high opinion of Metro Bank, which leaves me puzzling why you're so keen to open an account with them.

Get over it and stop making yourself appear more and more foolish.

Anthorn

SnowTiger wrote: »

Metro Bank likely rejected your application due to your low income.

They don't require residents in sheltered accommodation to provide proof of residency from their accommodation's manager or warden. This is what is says on their website:



Read it. Then read it again. Then read it again.

It's aimed at people who apply for a Cash account and/or savings account and can't supply other requested documentation.

Their Cash account appears to be a basic account that can only be open at one of their stores.

Wait... pause... read it again.

You don't appear to have a very high opinion of Metro Bank, which leaves me puzzling why you're so keen to open an account with them.

Get over it and stop making yourself appear more and more foolish.

I read it but you don't appear to understand it yourself: People living in sheltered housing are equated with people living in care homes and are seen to be a special circumstance in that they may not be able to provide the documents which Metro Bank require. Why are people living in sheltered housing a special circumstance? Why am I not a special circumstance and why do metro bank recognise me as being able to provide documents and not residents of sheltered housing? I do not need to explain further: It is overwhelmingly, glaringly obvious that residents of sheltered housing are treated differently from residents of regular housing. At best it is incompetence in not having a clue about the sheltered housing they refer to. But I'll still go for discrimination.

You gloss over Metro bank's lies in their email to me saying they searched Equifax when they didn't do that. I just checked my alerts on Equifax and go my full report and there is no search on Equifax. I could go get my £2 reports from the other CRAs but I know it will be a waste of time and money.

Here is the relevant section of the rejection email:

While Equifax's information may not have influenced our final decision, the Data Protection Act 1998 gives you the right to know what's in your credit file. You can request a copy of your file for £2, which you pay directly to the CRA. You can contact Equifax using the information below.

Equifax Ltd.
Customer Service Centre
PO Box 10036
Leicester
LE3 4FS
https://www.equifax.co.uk

Equifax only supplied us with your credit information. They won't be able to tell you why we declined your application as they had no say in our decision.

ValiantSon

Anthorn wrote: »

I read it but you don't appear to understand it yourself: People living in sheltered housing are equated with people living in care homes and are seen to be a special circumstance in that they may not be able to provide the documents which Metro Bank require. Why are people living in sheltered housing a special circumstance? Why am I not a special circumstance and why do metro bank recognise me as being able to provide documents and not residents of sheltered housing? I do not need to explain further: It is overwhelmingly, glaringly obvious that residents of sheltered housing are treated differently from residents of regular housing. At best it is incompetence in not having a clue about the sheltered housing they refer to. But I'll still go for discrimination.

You gloss over Metro bank's lies in their email to me saying they searched Equifax when they didn't do that. I just checked my alerts on Equifax and go my full report and there is no search on Equifax. I could go get my £2 reports from the other CRAs but I know it will be a waste of time and money.

Here is the relevant section of the rejection email:

:wall:

Why is there no emoji for someone blowing their brains out? That would nicely sum up how I feel about this.

eskbanker

I clearly chose the wrong TV image earlier on and should have selected one of the pantheon of razor-sharp heavyweight intellectual giants such as:



or maybe:

Anthorn

It's pretty much well known that when a contributor to a debate takes the highly frowned upon step of personal attack they have lost the debate. Ok I won! Moving on to other things now but Metro Bank's questionable actions are not forgotten. What remains is to advise the CEO to change their "A bank for everybody" tagline because Metro Bank is clearly not "A bank for everybody"! I've already sent the email. Bye bye.