Secure Trust Bank 2yr fixed bond

user131

MSE currently shows this as top product but application even as an existing customer with excellent credit rating is not currently possible? [attached]

Thrugelmir

There's something somewhere on one of the files at least. Have you checked them as suggested? 

kuratowski

As I read that letter, they are automatically declining all applications from existing customers due to operational difficulties caused by the virus situation.  So nothing to do with your credit rating, if you are indeed an existing customer.

colsten

user131 said:

MSE currently shows this as top product but application even as an existing customer with excellent credit rating is not currently possible? [attached]

Banks ignore credit ratings, which are all different, anyway, across the CRAs. Plus, for savings, no bank is interested in your credit worthiness as you are not taking out any credit.

SFindlay

user131 said:

MSE currently shows this as top product but application even as an existing customer with excellent credit rating is not currently possible? [attached]

Savings account will not look at your credit rating but will look at any fraudulent activity or use these checks to confirm your identity. If not a current customer you will probably find they can't verify who you are or potential fraudulent activity been flagged up, if current customer as said previously and in letter these applications are automatically being refused. 

Owain_Moneysaver

kuratowski said:

As I read that letter, they are automatically declining all applications from existing customers 

But taking applications from new customers?

SFindlay

Owain_Moneysaver said:

kuratowski said:

As I read that letter, they are automatically declining all applications from existing customers 

But taking applications from new customers?

Yes because don't have staff to link accounts to existing applicants but set up process for new applicants straightforward.