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Can't open savings account
Comments
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Inbetweeners said:Repeatedly saying something is discriminatory doesn't make it so. Lets run with your opinion that it is - it is not unlawful to discriminate unless it's a protected characteristic, which is not the case here.
Call it lazy, or whatever, with Atom being an online only presence they are not interested in other methods.0 -
Then use one of the high street bricks and mortar institutions that have the facility to check physical ID documents rather than one of the modern on line only ones that do not have that facility.MrsM does not have a photo driving licence, passport, or credit card, loans or debt We do not have a mortgage or pay rent. She has never been rejected for a savings account and has passed several electronic ID checks as witnessed by searches on her credit fileThere is obviously something amiss with your wife's file that is scaring off these institutions.0
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Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:So I just put my wife's information into the Transunion credit checker via the MSE link and it came back:-
"We can’t provide your credit score because you have a ‘thin credit file’ "
That doesn't mean she doesn't exist, it just means the bank is using a flawed/cheap/lazy method of confirming her identity. If she was wanting to borrow money then this would be grounds for rejection but not for investing a reasonable amount of money.
An online bank like Atom can freely choose to use whatever ID checks they are required to by law then any further checks like submitting a photo of your ID in the app and doing a selfie as part of the checksSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Vendee said:Inbetweeners said:Repeatedly saying something is discriminatory doesn't make it so. Lets run with your opinion that it is - it is not unlawful to discriminate unless it's a protected characteristic, which is not the case here.
Call it lazy, or whatever, with Atom being an online only presence they are not interested in other methods.
They (young) would face the same barrier to ID check you claim your wife has if it were true (which it isn't - see last post).
Have you even checked the 3 credit reference agencies to ensure she is setup? Does she have an account in her own name (not the secondary credit card holder but her own bank?)
Atom are a business, they may well need the passport at a later stage of ID verification as is normal when applying for things - done in an appSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:So I just put my wife's information into the Transunion credit checker via the MSE link and it came back:-
"We can’t provide your credit score because you have a ‘thin credit file’ "
That doesn't mean she doesn't exist, it just means the bank is using a flawed/cheap/lazy method of confirming her identity. If she was wanting to borrow money then this would be grounds for rejection but not for investing a reasonable amount of money.
An online bank like Atom can freely choose to use whatever ID checks they are required to by law then any further checks like submitting a photo of your ID in the app and doing a selfie as part of the checks0 -
Vendee said:I'm sorry but Atom have said they have refused the account on the say of TransUnion. TransUnion say she has a thin credit file so they are refusing to verify her identity on the basis of credit score. My wife has had many savings accounts in her name, the most recent, closed only 7 days ago. She has several stocks and shares ISA's in her name. She just doesn't have any history of borrowing money. You say this is false but the hard reality says its not. Its not up for argument, it has been admitted.
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Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:So I just put my wife's information into the Transunion credit checker via the MSE link and it came back:-
"We can’t provide your credit score because you have a ‘thin credit file’ "
That doesn't mean she doesn't exist, it just means the bank is using a flawed/cheap/lazy method of confirming her identity. If she was wanting to borrow money then this would be grounds for rejection but not for investing a reasonable amount of money.
An online bank like Atom can freely choose to use whatever ID checks they are required to by law then any further checks like submitting a photo of your ID in the app and doing a selfie as part of the checksSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:So I just put my wife's information into the Transunion credit checker via the MSE link and it came back:-
"We can’t provide your credit score because you have a ‘thin credit file’ "
That doesn't mean she doesn't exist, it just means the bank is using a flawed/cheap/lazy method of confirming her identity. If she was wanting to borrow money then this would be grounds for rejection but not for investing a reasonable amount of money.
An online bank like Atom can freely choose to use whatever ID checks they are required to by law then any further checks like submitting a photo of your ID in the app and doing a selfie as part of the checks0 -
Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:So I just put my wife's information into the Transunion credit checker via the MSE link and it came back:-
"We can’t provide your credit score because you have a ‘thin credit file’ "
That doesn't mean she doesn't exist, it just means the bank is using a flawed/cheap/lazy method of confirming her identity. If she was wanting to borrow money then this would be grounds for rejection but not for investing a reasonable amount of money.
An online bank like Atom can freely choose to use whatever ID checks they are required to by law then any further checks like submitting a photo of your ID in the app and doing a selfie as part of the checks
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Inbetweeners said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:Nasqueron said:Vendee said:So I just put my wife's information into the Transunion credit checker via the MSE link and it came back:-
"We can’t provide your credit score because you have a ‘thin credit file’ "
That doesn't mean she doesn't exist, it just means the bank is using a flawed/cheap/lazy method of confirming her identity. If she was wanting to borrow money then this would be grounds for rejection but not for investing a reasonable amount of money.
An online bank like Atom can freely choose to use whatever ID checks they are required to by law then any further checks like submitting a photo of your ID in the app and doing a selfie as part of the checks0
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