Can a 14yr old be blacklisted?

onlyfoolsandparking

No it isn't a breach of the equality act, the DVLA revoking some ones license in the way your saying would be on medical grounds and nothing to do with EA so your analogy is flawed, Its all about 'Protected characteristics' as soon as the bank took the account holder on they became subject to EA and they have failed to protect the OP,s son by their actions of simply closing the account. They do have the right to close any account but cannot close it if their actions fall foul of the law and they will know this themselves.It would appear you do not know the ins and outs of the EA especially regarding disabilities as I do and this is plain to see by your DVLA example?? 

My advice still stands to the OP, they need to raise the facts of their sons case and REMIND Halifax of their legal duty when dealing with people with Disabilities who ARE protected by law. 

Fighter1986

The bank are treating the customer equally to someone without a disability.

Anti Money Laundering laws supercede EA2010. The bank have very serious obligations under the AML laws.  They tie in with anti-terrorism. 

onlyfoolsandparking

Fighter1986 said:

The bank are treating the customer equally to someone without a disability.

Anti Money Laundering laws supercede EA2010. The bank have very serious obligations under the AML laws.  They tie in with anti-terrorism. 

If they are treating the customer equally to someone without a disability then unless they can give good reason they are breaking the law. I can only assume Halifax are/were unaware of the OP,s sons protected status, which in fact they must be by their actions of closing the account.

Your other statement of Anti money laundering laws superceding EA2010, well I give up!! and I wont comment any further apart from saying to the OP good luck helping your son, hopefully you get to deal with someone at the Halifax that UNDERSTANDS the EA2010 and hopefully your son can get another bank account sorted. You may want to consider 'Power of attorney' which is very helpful for someone in your sons position and certainly less stressful.

MinuteNoodles

onlyfoolsandparking said:

 Its all about 'Protected characteristics' as soon as the bank took the account holder on they became subject to EA and they have failed to protect the OP,s son by their actions of simply closing the account. They do have the right to close any account but cannot close it if their actions fall foul of the law and they will know this themselves.

If nobody makes them aware of the disability then they have a defence as it is not reasonable for them to expect to "just know" someone has a disability, especially with autism which is a wide spectrum disorder. My son is autistic however he's doing a BTEC level 3 and at first glance you probably wouldn't realise he was. He is capable of managing his finances and dealing with people. It would appear you maybe don't know the EA as well as you think you do. If you're going to say I'm wrong please provide a link stating that the onus is on an organisation to figure out that someone is disabled with no input from the individual or their carers/guardians.

bradders1983

Why would any bank reopen this account and leave it open for exactly the same thing to happen again?

They havent closed the account because of the disability.  They have closed it because of suspected fraud.

onlyfoolsandparking

MinuteNoodles said:

onlyfoolsandparking said:

 Its all about 'Protected characteristics' as soon as the bank took the account holder on they became subject to EA and they have failed to protect the OP,s son by their actions of simply closing the account. They do have the right to close any account but cannot close it if their actions fall foul of the law and they will know this themselves.

If nobody makes them aware of the disability then they have a defence as it is not reasonable for them to expect to "just know" someone has a disability, especially with autism which is a wide spectrum disorder. My son is autistic however he's doing a BTEC level 3 and at first glance you probably wouldn't realise he was. He is capable of managing his finances and dealing with people. It would appear you maybe don't know the EA as well as you think you do. If you're going to say I'm wrong please provide a link stating that the onus is on an organisation to figure out that someone is disabled with no input from the individual or their carers/guardians.

Of course an organisation doesn't have to 'figure it out' BUT once they are made AWARE of a person's disability THEN EA Law comes into play, how else could it work? and why would I provide a link for the Equality Act when anyone can just google it and then read it. Regarding not knowing as much as I think I do about EA surely that is only the same as you thinking you can get a CASH loan at 0% apr!!! none of us know everything but some on here like to jump in feet first with their replies which ironically are usually wrong 

onlyfoolsandparking

bradders1983 said:

Why would any bank reopen this account and leave it open for exactly the same thing to happen again?

They havent closed the account because of the disability.  They have closed it because of suspected fraud.

I suspect they have closed it only due to not being AWARE of the OP,s sons 'protected status' will be interesting to see if the OP does come back with answers on what Halifax have proposed to do IF he does make them aware although sadly as we all know a lot of new posters don't come back. 

rae2271

onlyfoolsandparking said:

bradders1983 said:

Why would any bank reopen this account and leave it open for exactly the same thing to happen again?

They havent closed the account because of the disability.  They have closed it because of suspected fraud.

I suspect they have closed it only due to not being AWARE of the OP,s sons 'protected status' will be interesting to see if the OP does come back with answers on what Halifax have proposed to do IF he does make them aware although sadly as we all know a lot of new posters don't come back. 

I am contacting the bank later as have to have my son present. I will update this post as and when. 

Let me be clear, I am not using my sons autism - it’s a daily battle believe me. 

Hasbeen

rae2271 said:

No that’s not him

Then I apologise for suggesting it was.

Similar circumstances.

In my opinion, open up another account outside of  the Halifax group as a back up bank for your son.

Appeal the decision, stating the reasons already outlined by the more learned posters here.

If unsuccessful then attempt to get your sons money transferred ASAP to the back up bank.

I am sure someone will give you good advice, if Halifax refuse to reinstate, on how to proceed.

Good Luck.

bradders1983

An appeal is pointless, especially if this involves a hollow promise of "it wont happen again" because you cant actually promise that.