I think my daughter has a CIFAS marker?

Uriziel

You seem to be sitting on the internet filling out one application after another. Do you not want to simply go into a Nationwide branch, explain to them that you had this marker 6 years ago and let them check in their system which account they can provide for you. If they cannot provide her with a normal account they will probably just offer her a basic one which she can upgrade at some point though she clearly has no need to if she is merely getting paid into the account. Does that not make more sense than online applications on the phone and then wonder why it is not working out?

You also wrote in one of your messages that you send her some of her wages to pockit. Getting someone elses money is a pretty dangerous game to play irrelevant of whether you are the mother or not as she is an adult and also irrelevant of whether you think she is good with the money. It sounds a lot like you have decided to not send her all her money because she is not good with money. That does not sound very legal. Get her an account to get her pay in and move on before she figures out how to sue you for a payout and then you'll be back on here to ask for advise.

jackywacky

[Deleted User] said:

xylophone said:

FlexBasic Nationwide? Or Basic with Halifax, Barclays or Natwest?

It's not a great idea to do at this stage plus you can't apply directly for any of these basic accounts anyway.
Given the above info, she is almost certainly still in some kind of fraud databases.

I would suggest waiting three full calendar months (July 2025) to allow databases to be updated etc; if still declined after that then she'll probably need to dig deeper such as SARs to places like Synectics and National Hunter 

She done wrong so I’m not expecting any sympathy but she was a silly immature 17 year old who was taken advantage of when she got the marker, it's made life hard for her and she's has learnt the hard way. 
I've always said that when the marker goes she'll get an account but that hasn't happened, so now I'm feeling bad.

Would it help if she went into a branch of a bank and tried to open an account?

MattMattMattUK

She has had dealings with Monzo but never with Revolut.

Would Monzo and Revolut share their refusals with other banks

jackywacky

Uriziel said:

You seem to be sitting on the internet filling out one application after another. Do you not want to simply go into a Nationwide branch, explain to them that you had this marker 6 years ago and let them check in their system which account they can provide for you. If they cannot provide her with a normal account they will probably just offer her a basic one which she can upgrade at some point though she clearly has no need to if she is merely getting paid into the account. Does that not make more sense than online applications on the phone and then wonder why it is not working out?

You also wrote in one of your messages that you send her some of her wages to pockit. Getting someone elses money is a pretty dangerous game to play irrelevant of whether you are the mother or not as she is an adult and also irrelevant of whether you think she is good with the money. It sounds a lot like you have decided to not send her all her money because she is not good with money. That does not sound very legal. Get her an account to get her pay in and move on before she figures out how to sue you for a payout and then you'll be back on here to ask for advise.

You must have posted your reply as I was writing my last post asking if was a good idea to go into a branch!
Thank you. I will suggest your suggestion to her

As for her wages being paid into my account, her employer (Tesco) were unable to pay into Pockit but their pay group looked into it and didn't see it as a problem.
If what I wrote sounded like I was intentionally withholding her money from her then that wasn't actually the case.
It was more me helping her budgeting. I never ever said no you can't have your own money.

MattMattMattUK

jackywacky said:

[Deleted User] said:

xylophone said:

FlexBasic Nationwide? Or Basic with Halifax, Barclays or Natwest?

It's not a great idea to do at this stage plus you can't apply directly for any of these basic accounts anyway.
Given the above info, she is almost certainly still in some kind of fraud databases.

I would suggest waiting three full calendar months (July 2025) to allow databases to be updated etc; if still declined after that then she'll probably need to dig deeper such as SARs to places like Synectics and National Hunter 

She done wrong so I’m not expecting any sympathy but she was a silly immature 17 year old who was taken advantage of when she got the marker, it's made life hard for her and she's has learnt the hard way. 
I've always said that when the marker goes she'll get an account but that hasn't happened, so now I'm feeling bad.

Would it help if she went into a branch of a bank and tried to open an account?

MattMattMattUK

She has had dealings with Monzo but never with Revolut.

Would Monzo and Revolut share their refusals with other banks

Monzo would have records of previous refusals in their system, banks can retain their own records internally indefinitely. I agree with others that a month may have been to quick, I would check all CRAs as well as the other fraud prevention companies.

Is she registered to vote and does that address match the application address? Does she have a passport and driving license?

Ed-1

MattMattMattUK said:

jackywacky said:

[Deleted User] said:

xylophone said:

FlexBasic Nationwide? Or Basic with Halifax, Barclays or Natwest?

It's not a great idea to do at this stage plus you can't apply directly for any of these basic accounts anyway.
Given the above info, she is almost certainly still in some kind of fraud databases.

I would suggest waiting three full calendar months (July 2025) to allow databases to be updated etc; if still declined after that then she'll probably need to dig deeper such as SARs to places like Synectics and National Hunter 

She done wrong so I’m not expecting any sympathy but she was a silly immature 17 year old who was taken advantage of when she got the marker, it's made life hard for her and she's has learnt the hard way. 
I've always said that when the marker goes she'll get an account but that hasn't happened, so now I'm feeling bad.

Would it help if she went into a branch of a bank and tried to open an account?

MattMattMattUK

She has had dealings with Monzo but never with Revolut.

Would Monzo and Revolut share their refusals with other banks

Monzo would have records of previous refusals in their system, banks can retain their own records internally indefinitely. I agree with others that a month may have been to quick, I would check all CRAs as well as the other fraud prevention companies.

Is she registered to vote and does that address match the application address? Does she have a passport and driving license?

Worth noting that only victim markers show to customers on CRAs, but all markers show to banks on CRAs so it could still be lingering on CRAs but hidden to you.

Jami74

jackywacky said:

She done wrong so I’m not expecting any sympathy but she was a silly immature 17 year old who was taken advantage of when she got the marker, it's made life hard for her and she's has learnt the hard way. 

jackywacky I haven't got anything helpful about bank accounts to offer but I wanted to say thank-you for posting. My kids are a bit younger than yours and the first time you posted I remember thinking how easy it would be for a nearly adult teen to be taken advantage of in that way. I showed your post to them and we talked a lot about how to keep financially safe. I bet there are other parents out there too who have been prompted to have these discussions based on threads like these.

It's great that you've been able to help her with receiving her wages and learning to budget etc. Hope she can get a proper bank account soon and this will be properly behind you both.

jackywacky

Jami74 Thank you for your kind words. I'm glad my post has been of help.
Even at 23 my daughter still needs a lot of help and guidance.
If anyone reading this thinks I'm an interfering parent I'd just like to point out my daughter has an elder brother and sister and they get through life on their own.

MattMattMattUK Yes she has a passport, provisional driving license and is registered to vote. All documents registered at our home address.
As for other fraud prevention companies I thought there was only CIFAS. Didn't realise there could be so many.
As mentioned probably best to go to a local branch of a high street bank and see if they can help.

Then I will update this thread in case it helps others.

born_again

jackywacky said:

Six years have past since my daughter was awarded a CIFAS marker on 5th March 2019.
She gave it an extra month and last week she made a DSAR request and yesterday she got this reply.
As of the above date, there is no Cifas data on our systems registered in your name and date of birth at the address(es) you supplied.
So today she applied for a Monzo current account and was turned down, then she tried with Revolut and the account was opened and was instantly closed.

Any ideas on what she can do next.
All she wants is a straight forward bank account with direct debit and standing order facilities.
Overdraft facilities are not required.

Thanks in advance

Try banks that she had no links with previously, or from same group.
Any that she banked with before will have the details on their systems & will not want to open a account.

callum9999

Uriziel said:

You seem to be sitting on the internet filling out one application after another. Do you not want to simply go into a Nationwide branch, explain to them that you had this marker 6 years ago and let them check in their system which account they can provide for you. If they cannot provide her with a normal account they will probably just offer her a basic one which she can upgrade at some point though she clearly has no need to if she is merely getting paid into the account. Does that not make more sense than online applications on the phone and then wonder why it is not working out?

Not that I can see? The branch "checking in their system" is just them submitting an application on your behalf. The Nationwide website will do exactly the same thing when you apply on there. 

WillPS

TSB, Co-op Bank and Santander all allow direct applications for their basic current accounts, if you want a mainstream brand but don't desire a hard search.

Like others I would recommend waiting another couple of months tho.