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General Banking/Credit Questions
Comments
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Brilliant, well done on the CC and bank account. I will try the same but i got CCJS so will wait a while.So it was a seperate application for the current nationwide not through your online banking or anything. Did they ask you if you had a nationwide account or have got one, because i am sure they do when applying. They must have linked your accounts together. I can assume that maybe part of what you got upgraded.
It was upgraded through my online banking. They upgraded it and l kept the same account number.
I haven't tried using petrol pumps with the flex-basic card. It did have contactless though. I was happy to be upgraded as the flex-basic card is bright red and I was self conscious in using it. I think there is some hierarchy in bank cards especially when using nationwide branch.0 -
Fantastic, this gives some clarity. I may go down this route then. Thanks for sharing0
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As I've already said, there's no one-size-fits-all answer to this at it varies by bank and circumstances. You can claim what you like about your research and experience, but if you're so sure it's not an infinite exclusion why are you asking the question?My main point is really how long do they punish you for? No-one really has the answer. I am confident it will not be a life time ban from my research on this matter and from experience.
As I've pointed out on the other thread, you're mixing up the singular and the collective - CIFAS is a service used by all banks, so an adverse record there will affect any application for an account with any bank. However, an individual bank can make its own decisions independently of the others, and also, let's not forget, is the organisation that's lost the money (unlike CIFAS).A CIFAS record goes away after six years and that is the biggest no-no in terms of financial serivices/credit. So will a £100 late payment be enough to warrant a blacklist for life from a a bank? I just cant imagine so. I will be looking into this more further in detail but as it stands i dont believe a lifetime punishment exists from a bank unless it is something very drastic but again even CIFAS get removed after 6 years and ive read people who have been back to the banks that gave them the CIFAS originally after it was removed! It would be nice to get people on here who work in a bank or have done to get more information.
Nothing to stop you submitting a SAR to them to ascertain exactly what data they retain about their decision to shut your account down, in terms of information received from the complainant and their bank. It won't necessarily have been perceived as fraud though, which is presumably why there was nothing added to CIFAS. At the risk of treading on sensitive ground, how long ago was this (banks aren't obliged to deal with complaints relating to issues occurring more than six years ago, unless you're only made aware of them later on)?In regards to the SAR, i dont particularly have a reason for obtaining it rather then to see what information a bank as about me. Infact, one bank in particular shut my account down without warning years ago. I found out later this was because a dispute in a transaction i had with someone in which i sold a phone too. They claimed i did not send the phone and kept their money, which was all lies. I only found about this after and i checked my CFIAS record and the bank did not make any record so i did not purse this further and already had other banks at the time. Thinking about this now, maybe a SAR would be good to shed light in this matter? What this information be on it? Should i be making a complaint about this matter to the bank as it never occured to me then but now after reading various posts maybe that have internally blacklisted me. They did not mark a CIFAS against me which is what i presume would have happened if they thought i committed fraud. What are your thoughts?0 -
Fantastic, this gives some clarity. I may go down this route then. Thanks for sharing
But that persons route isn’t the same as your route.
Different bank. Different length of service with bank. Different products. Different lending criteria.
And definitively a different person with different circumstances.
Each case is different0 -
As I've already said, there's no one-size-fits-all answer to this at it varies by bank and circumstances. You can claim what you like about your research and experience, but if you're so sure it's not an infinite exclusion why are you asking the question?
Because untill i am 100% satisfied i will always ask questions, its good for knowledge and helps in future cases.
As I've pointed out on the other thread, you're mixing up the singular and the collective - CIFAS is a service used by all banks, so an adverse record there will affect any application for an account with any bank. However, an individual bank can make its own decisions independently of the others, and also, let's not forget, is the organisation that's lost the money (unlike CIFAS).
Nothing to stop you submitting a SAR to them to ascertain exactly what data they retain about their decision to shut your account down, in terms of information received from the complainant and their bank. It won't necessarily have been perceived as fraud though, which is presumably why there was nothing added to CIFAS. At the risk of treading on sensitive ground, how long ago was this (banks aren't obliged to deal with complaints relating to issues occurring more than six years ago, unless you're only made aware of them later on)?
This was around 2014 i believe. I didnt think nothing of it at the time only thought it about it a couple of years later when i really started researching this forum and google. As its been 4 or 5 years now should i seek to clarify this with the bank or just let bygones be bygones?? I am curious to know what is on my SAR and if i request a SAR for my account closure this should tell me right?0 -
There's nothing to lose by submitting a SAR (it doesn't cost anything) but don't be surprised if they respond in a way that doesn't really satisfy your curiosity....This was around 2014 i believe. I didnt think nothing of it at the time only thought it about it a couple of years later when i really started researching this forum and google. As its been 4 or 5 years now should i seek to clarify this with the bank or just let bygones be bygones?? I am curious to know what is on my SAR and if i request a SAR for my account closure this should tell me right?0 -
So is it a case of keep bugging them until they eventually back down. I take it alot of emails and letters going back and forth and alot of delay tactics on their end.
Is there some sort of template letter i can write that will basically ask for the full lot of info held against me including account opening, closing and everything in the middle0 -
wont they? What is the purpose of a SAR if they wont back down?
You keep answering my questions with questions
Not sure of the purpose of it
Do you work for a bank?0
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