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Do I have the right to own a bank account?

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  • #16
    Re: Do I have the right to own a bank account?

    Originally posted by warwick65 View Post
    Hi
    have you checked your credit file in either your old or new name to see if there are any CIFAS or fraud markers on your file?
    How do you do this please?

    Comment


    • #17
      Re: Do I have the right to own a bank account?

      To be honest I'm not sure. Usually you could use clear score or noddle and sign up for free but if you have no bank account in either name and you are not on the electoral roll it might be difficult.

      You could try try it at either www.noddle.co.uk or www.clearscore.com

      Then look under the section CIFAS which marks if there any fraudulent activities

      The banks might suspect you have changed your name to hide something

      Comment


      • #18
        Re: Do I have the right to own a bank account?

        Have you had the deed certified?

        Comment


        • #19
          Re: Do I have the right to own a bank account?

          NODDLE is a free one google CRAs and a few free to use ones

          Comment


          • #20
            Re: Do I have the right to own a bank account?

            do not sign up to any 30 days for free ones you liable to forget to cancel and pay for free info

            - - - Updated - - -

            Noddle/clearscore are free just to name two/

            Comment


            • #21
              Re: Do I have the right to own a bank account?

              If you read the MAS link that Mike770 helpfully provided in post#5 it says that banks can refuse to provide a basic account in certain circumstances.
              Attached Files

              Comment


              • #22
                Re: Do I have the right to own a bank account?

                go on then i'll ask the question....have you ever been done for bank fraud of any description?

                Comment


                • #23
                  Re: Do I have the right to own a bank account?

                  Originally posted by warwick65 View Post
                  Have you had the deed certified?
                  No I have not!

                  Originally posted by EXC View Post
                  If you read the MAS link that Mike770 helpfully provided in post#5 it says that banks can refuse to provide a basic account in certain circumstances.
                  Thats is a good link there; shame I can not copy and paste it. But it dose say " you could get another account for example a full service account"
                  But I guess I have another account in my old names with Lloyds but can not use it.

                  Originally posted by suffering View Post
                  go on then i'll ask the question....have you ever been done for bank fraud of any description?
                  No!

                  Comment


                  • #24
                    Re: Do I have the right to own a bank account?

                    I asked about the Deed being certified because the links you provided said some organisation such as banks might require it.

                    Comment


                    • #25
                      Re: Do I have the right to own a bank account?

                      Originally posted by Batista230 View Post
                      Thats is a good link there; shame I can not copy and paste it.
                      Here you go:
                      When you might be refused a basic bank account

                      Not everyone can open a fee-free basic bank account.
                      Your bank or building society will want to check you qualify before they accept your request.
                      They might refuse to open a new basic bank account if:
                      • You refuse a credit check.
                      • You can’t provide proof of your identity.
                      • You are threatening, abusive or violent towards staff.
                      • They think you will use the account unlawfully or fraudulently.
                      • You could get another account, for example a full-service current account.

                      If your application for a fee-free basic bank account is refused, you are entitled to ask why.
                      Your bank or building society should tell you the reason unless they suspect you of fraud or money laundering.
                      If you don’t agree with the decision and think you are entitled to open a basic bank account, you can complain to your bank or building society.

                      Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                      It doesn't matter where your journey begins, so long as you begin it...

                      recte agens confido

                      ~~~~~

                      Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

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                      But please include a link to your thread so I know who you are.

                      Specialist advice can be sought via our sister site JustBeagle

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                      • #26
                        Re: Do I have the right to own a bank account?

                        Originally posted by MIKE770 View Post
                        NODDLE is a free one google CRAs and a few free to use ones
                        Noddle is asking for my credit / debit card details!!!

                        Comment


                        • #27
                          Re: Do I have the right to own a bank account?

                          Originally posted by MIKE770 View Post
                          NODDLE is a free one google CRAs and a few free to use ones
                          Noddle is asking for my credit / debit card details!!!

                          Comment


                          • #28
                            Re: Do I have the right to own a bank account?

                            they have to verify that the person requesting is you! no monies go out of account

                            Comment


                            • #29
                              Re: Do I have the right to own a bank account?

                              So Its catching 22. No bank accounts in new name meant no credit check. Maybe call on of them tomorrow or email them

                              Comment


                              • #30
                                Re: Do I have the right to own a bank account?

                                The simply way would be to have it certified by the court. No idea how much that would cost though

                                Comment

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