Do I have the right to own a bank account?

[Batista230]

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

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?

[warwick65]

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

[warwick65]

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

Have you had the deed certified?

[MIKE770]

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

[MIKE770]

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/

[EXC]

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.

[suffering]

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?

[Batista230]

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

Have you had the deed certified?

No I have not!

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.

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

No!

[warwick65]

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.

[Kati]

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

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.

[Batista230]

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

Noddle is asking for my credit / debit card details!!!

[Batista230]

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

Noddle is asking for my credit / debit card details!!!

[MIKE770]

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

[warwick65]

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

[warwick65]

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