Can a 14yr old be blacklisted?

notveryeducated

Hasbeen said:

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.
Good Luck.

Might be hard because if he has a CIFAS marker no bank will give him an account. 

D3xt3r5L4b

You can’t play the disability card here as a way of getting out of it.
Hopefully he’ll learn from his mistakes. 

Emmia

I'm wondering if one of the prepaid debit cards might be a better way of giving your son access to a card to pay for things - rather than a bank account where he's clearly got himself into a serious issue.

However, he does need to understand why he shouldn't let others use his account, because once he is 18 and an adult he'll still have this problem and you'll be less able to help him.

phillw

onlyfoolsandparking said:
always remember if it wasn't for Autism we wouldn't have Computers, Ipads, Iphones or even the Internet!!

How can you objectively state that? Lots of different people contributed to those inventions, they weren't all diagnosed with autism.
People on the spectrum may find trying to solve problems on a computer for hours on end more satisfying than a job that deals with people, but that isn't an exclusively autistic trait.

TripleH

I think this is a two fold situation.
1. Will the Halifax Group allow the Op's son to have an account with them again? They could refuse because actions took place that were a breach of the banks' terms of service on purely commercial grounds which sadly is life and could be very hard to prove the decision was on the grounds of your son's autism. 
2. Will the Halifax Group impose a CIFAS (sorry can't remember the exact terminology) marker against your son? I think this is what the Op should be focused on as this could have the longer lasting damage. 

It may well be worth opening a bank account elsewhere BUT go in and talk to the bank to find how you can minimize a repeat scenario happening again. 

rae2271

onlyfoolsandparking said:

rae2271 said:

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. 

You don't have to justify your son's Autism to anyone least of all me, I know exactly how challenging Autism is and I know for some It absolutely is a daily battle. I only wish you the best of luck in dealing with this stressful situation and commend you for wanting to do the very best for your son and in a small attempt to bring a smile to your face, always remember if it wasn't for Autism we wouldn't have Computers, Ipads, Iphones or even the Internet!! . Please do come back and tell us how Halifax deal with this, it could prove very helpful for others who have or are around people with ASD or indeed any other challenging condition. 

After talking to the bank and being able to talk on behalf of my son they decided to let us close the account without a marker. We will then open another at the same branch with myself as a third party on it. This is the first time posting here and I have to say some people were great but receiving responses like ‘you can’t play the disability card here’ is offensive and unhelpful. Thanks to all

cymruchris

rae2271 said:

onlyfoolsandparking said:

rae2271 said:

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. 

You don't have to justify your son's Autism to anyone least of all me, I know exactly how challenging Autism is and I know for some It absolutely is a daily battle. I only wish you the best of luck in dealing with this stressful situation and commend you for wanting to do the very best for your son and in a small attempt to bring a smile to your face, always remember if it wasn't for Autism we wouldn't have Computers, Ipads, Iphones or even the Internet!! . Please do come back and tell us how Halifax deal with this, it could prove very helpful for others who have or are around people with ASD or indeed any other challenging condition. 

After talking to the bank and being able to talk on behalf of my son they decided to let us close the account without a marker. We will then open another at the same branch with myself as a third party on it. This is the first time posting here and I have to say some people were great but receiving responses like ‘you can’t play the disability card here’ is offensive and unhelpful. Thanks to all

Thanks for coming back to give us an update - and glad it's worked out well. Fingers crossed that with you having an overview of the account, any future shenanigans will be spotted quickly and dealt with, although after all you've been through let's hope there's been some learning, and they don't repeat the same mistakes again. 

rae2271

Thank you!

onlyfoolsandparking

That is great news and decent of Halifax to 'do the right thing' without having to resort to complaints and escalations etc.

Good luck with everything moving forward.