Having real issues obtaining a basic bank account.

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Thanks Scab. I know who my creditors are so choosing an account is not an issue - just getting one is. My first try and getting an account since the fraud marker has been removed has been a failure! Yorkshire Bank rejected me for a basic ready cash account.

[ScabHunter]

Re: Having real issues obtaining a basic bank account.

how do i find out what banks use experian?

Have a butcher's here -

Which Lender searches which Credit Reference Agency - allaboutFORUMS

although it is far more important to find an account which is unrelated to any existing creditor. If the right account searches Equifax, you can always do another search with them to see if the CIFAS marker has gone from there also.

SH

[henryJSB]

Re: Having real issues obtaining a basic bank account.

how do i find out what banks use experian?

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Also use a bank that searches experian )

A cifas lasts 13 months so obviously a small delay presumably.

[ScabHunter]

Re: Having real issues obtaining a basic bank account.

okay guys, so before I was about to send the SAR to cifas today I went and checked my credit report one last time. my free trial ended with equifax so I went to try experian (although i didn't hold much hope as the cifas marker usually prevents me from getting anything without sending address details first) asnyway to my surprise it allowed me to log in and it appears that the cifas marker has disappeared!under the CIFAS section it says 0 records held. so i guess now I can go ahead and apply for a bank account and hopefully not get rejected! woo hoo

Give it a try and see what happens. Before you do, though, make sure there is absolutely no connection between any of your alleged creditors and the bank you have chosen. It might be a good idea to start that diary on here listing all of your alleged debts, so that someone in the know can advise you of suitable banks.

SH

[henryJSB]

Re: Having real issues obtaining a basic bank account.

okay guys, so before I was about to send the SAR to cifas today I went and checked my credit report one last time. my free trial ended with equifax so I went to try experian (although i didn't hold much hope as the cifas marker usually prevents me from getting anything without sending address details first) asnyway to my surprise it allowed me to log in and it appears that the cifas marker has disappeared!under the CIFAS section it says 0 records held. so i guess now I can go ahead and apply for a bank account and hopefully not get rejected! woo hoo

[jon1965]

Re: Having real issues obtaining a basic bank account.

DMC=debt management company, either I am mad (no need to answer that) or he mentioned this earlier in the thread. Niddy pointed out that as he is only 22 all the debts will not be UE .

Sorry looks like maybe merged threads as there are quotes from FP that do not appear in the thread . Confused.com

[jon1965]

Re: Having real issues obtaining a basic bank account.

Henry
If you want to, people here can help with what to write to the creditors etc.
One of the first things will be to prepare a budget sheet to send to them. I am certain that your DMC will have done one.
Having said that you may want to think about what you pay and to whom.

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Yeah i guess I really do need to sort out the DMC situation. I don't know how much they take that is a fee but I do know the 206 pounds out of my 650 wages a month is killing me.

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Pretty much yes. That's what I think but they may have re-registered it in which case I'll try help you get it taken off via cifas.

Do the above. You're spot on

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Alright will do.

Just to clarify. You expect it's been cleared by CIFAS, just not been updated by my CFA? So keep an eye on my credit file and then SAR CIFAS in the mean time to see what they've got on me?

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Ok it should be clear already (with cifas) at least.... The cra's are shit at the best of times so expect them to update it last. As I say, SAR CIFAS and let me know what that reads.

[henryJSB]

Re: Having real issues obtaining a basic bank account.

It was 03/09/2011

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Yea send the SAR to cifas. No need to use our template just follow the guides on the link above. If its gone from cifas then great.

It's 13 months though from first entry. Remind me of the start date again please?

[henryJSB]

Re: Having real issues obtaining a basic bank account.

So I'll send a SAR to CIFAS now and see what they say? Can't do this until the end of the month anyway because of the £10 charge. I'll sit tight then.