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Thread: Anyone work in a bank?

  1. #1
    Full Member Big Sig's Avatar
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    Default Anyone work in a bank?

    Right, so does anyone work in a bank?

    I need to know if you have a right to open a new account with the most basic facilities that that bank offers - ie no debit card/cheque book etc?

    Or does the bank have the right to refuse any sort of account what so ever????

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    Ex Vec-C Admin Deztroyer's Avatar
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    Banks are commercial firms and no bank is obliged to open an account for anyone. If the bank has based its refusal on information about you from a credit reference agency (for example, discovering that you had been taken to court for non-payment of a debt), then they should tell you which agency they used. They do not have to tell you what the agency said.

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    [Ex]Admin Duncan's Avatar
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    As above, you've got no 'right' at all to open a bank account - it's entirely at the banks discretion. So if they're only offering an account with debit card or cheque book, and you don't want either, then they simply don't have the product you want.

    Just thinking, how would you get money out anyway without a debit card or cheque book? Some places offer an account that only has an ATM card if that's any help?

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    Full Member Big Sig's Avatar
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    Its not for me but aparently the bank said they don't have a legal obligation to open more than one account for anyone. Reading between the lines it sounded like thay have to offer a basic account but only one.

    Otherwise how would foreign nationals get paid when they first enter the country? They must be able to get bank accounts with no history what so ever. Maybe this is a bad example. Couldn't find anything on the FSA website.
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    Regular Member ukanalyst's Avatar
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    This may help if you haven't seen it already:

    http://www.moneymadeclear.fsa.gov.uk...k_accounts.pdf

    ... even with basic bank accounts my experience of writing a payment system to pay young people & parents to engage in positive activities is that some banks are more flexible than others in terms of ID they'll accept etc

    Dave

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    Quote Originally Posted by Big Sig View Post
    Right, so does anyone work in a bank?
    Don't be silly - nobody works in the bank - not in mine whenever I go in in it seems.

    And:
    Banks are commercial firms......
    Don't us taxpayers actually have an ownership stake in the banks now?

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    Regular Member ade0303's Avatar
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    there are plenty of accounts for people with little or no credit history, good bad and ugly credit scores even people who have been declared bankrupt

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    Full Member Big Sig's Avatar
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    Quote Originally Posted by ukanalyst View Post
    This may help if you haven't seen it already:

    http://www.moneymadeclear.fsa.gov.uk...k_accounts.pdf

    ... even with basic bank accounts my experience of writing a payment system to pay young people & parents to engage in positive activities is that some banks are more flexible than others in terms of ID they'll accept etc

    Dave
    Thanks dave

    Quote Originally Posted by ade0303 View Post
    there are plenty of accounts for people with little or no credit history, good bad and ugly credit scores even people who have been declared bankrupt

    Got any links?
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    Regular Member ade0303's Avatar
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    Quote Originally Posted by Big Sig View Post
    Got any links?
    http://www.co-operativebank.co.uk/se...urrentAccounts
    http://www.barclays.com/internationa...cash_card.html
    http://www.natwest.com/personal/curr...p-account.ashx
    http://www.rbs.co.uk/personal/curren...ounts/key.ashx
    http://www.nationwide.co.uk/current_...rd_account.htm
    http://www.bankofscotlandhalifax.co....s/easycash.asp
    http://www.lloydstsb.com/current_acc...sh_account.asp
    there are also managed accounts out there where you can have your income paid in, they hold the funds you need to pay your bills and put the rest on a cash card so you can never be over drawn... Managed bank accounts usually have set up fee of £20-£30 and will have a monthly fee
    Last edited by ade0303; 13th June 2009 at 00:09. Reason: remembered some more accounts

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    Full Member Big Sig's Avatar
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    Thanks for the links
    Now I need a turbo to keep up!

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