Having real issues obtaining a basic bank account.

[henryJSB]

Re: Having real issues obtaining a basic bank account.

How do I find out the category number? Is it the one next to Role Qualifier? Shall I screencap it and post it up?

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Don't bother with n hunter right now. Let's sort cifas first...

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

No no that's it.

What cifas category? That's why you cannot open an account.

If its a category 0 then fine. Anything else - check this

--> allaboutFORUMS - View Single Post - All About Credit Reference Agencies CIFAS

What code is it?

[henryJSB]

Re: Having real issues obtaining a basic bank account.

So I've just got in and checked my credit report, nothing I wasn't expecting. It tells me that I was a victim of identity fraud and CIFAS have a mark against my name. That still doesn't explain why I'm being rejected for basic bank accounts, unless being a victim of fraud is held against you when opening them up?

I'm guessing I will find it more pertinent information when I see what Nhunter have on me?

Also another question, after receiving details from Nhunter what is the process after that that will stop me being rejected for basic bank accounts?

[henryJSB]

Re: Having real issues obtaining a basic bank account.

I've just gained access to an equifax credit report, but because I'm out and on my phone I can't access it right now I don't think. So I'll have to wait until I get home after work tonight. What am I looking for here exactly, on this credit report?

[henryJSB]

Re: Having real issues obtaining a basic bank account.

Yeah, I'll make a separate thread about it once I've sorted this I think.

I sent proof of identity to equifax via email, waiting to hear back. It's annoying experian require me to send documents via post, it makes the process so much more of a ball-ache.

So when equifax get back to me, shall I get a staturoy credit report from them for £2? And then send proof of ID to experian and get another one from them, yeah?

I can't afford to send the SAR to nHunter at the moment, I only have £15 to my name and I am trying to make it stretch till payday for food and travel to work =/. It's been an awful month!

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Read this for fraud info ---> allaboutFORUMS - View Single Post - All About Credit Reference Agencies CIFAS

Read this for CRA info ---> allaboutFORUMS - View Single Post - All About Credit Reference Agencies CIFAS

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

What is a postal order? How do I obtain one?

Sorry for my ignorance. I'm quite young and this is all new to me. I'm 22 yrs old.

EDIT:
Is experian callcredit.co.uk?

you buy them from a post office ---> Postal Orders and the Post Office® | Finance | Making payments

No. Experian is not callcredit. That's like saying is Burtons Next...

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

£206 sounds like a lot of money for such small debts and low income!!!

Do Gregory Pennington charge for their services?

When did you take out the credit cards? If it was before April 2007, they could be unenforceable!

See this for reference ---> UPDATED - A Full Guide to Unenforceability - allaboutFORUMS

As you have already defaulted, you've got nothing to lose!

If the OP is only 22 then the debts are only a maximum of 4 years old (i.e. 2008) so none will be UE.

:niddy

[henryJSB]

Re: Having real issues obtaining a basic bank account.

I'm trying to sign up to Experian to get a credit report but it's saying I have already applied.

Just DOUBLE checked, I did try to get an experian credit report but they sent me an email requiring that I send them documents through the post to confirm my identity. Shall I send these documents?

Send TWO of the following:



Original (not a copy) Bank Statement dated in the last 3 months
Original (not a copy) Credit Card Statement dated in the last 3 months
Original (not a copy) Gas/Electricity/Water Bill dated in the last 3 months
Original (not a copy) Council Tax Bill dated in the last 3 months


And, also send ONE of the following:


Photocopy of current Passport
Photocopy of both parts of current UK Driving Licence
Photocopy of Birth Certificate

[henryJSB]

Re: Having real issues obtaining a basic bank account.

What is a postal order? How do I obtain one?

Sorry for my ignorance. I'm quite young and this is all new to me. I'm 22 yrs old.

EDIT:
Is experian callcredit.co.uk?

[SXGuy]

Re: Having real issues obtaining a basic bank account.

Send the £10 as a postal Order btw, not as a note.

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Ahh separate issue

Ok I'm sticking to n hunter stuff. You go for ue

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

The debts wouldn't play much of a part with basic accounts. Barclays and coop take bankrupts. It's fraud they knock back on and with equifaxes response, something isn't adding up with your details used vs those supplied by electoral registration feeds.

It's easy to sort unless there's more to it such as witheld previous addresses or a link to a partner with a fraud marker maybe? Best wait n see what cra reports & n hunter say.

[Never-In-Doubt]

Re: Having real issues obtaining a basic bank account.

Excellent thanks. Remember the £10 to n hunter