rejected for a bank account ?

hatfield said:
Surely a simply deposit account with no overdraft couldnt be refused to somebody who satisfies all the identification requirements ?
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Of course it can. Banks are not obliged to offer services to all comers.
 
ClubMan said:
Of course it can. Banks are not obliged to offer services to all comers.
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Bank employees are trained to and obliged to serve customers in fulfillmwent of their employee duties. If there is a personal issue with one bank employee then there is a complaints procedure otherwise walk into another branch and deal with some other employee. Why would they refuse to service some ordinary person ?
How could they justify it when even mass murderers have bank accounts? I can picture a huge picture of ClubMan behind every bank teller window ' we do not accept money from this man' ;)
 
hatfield said:
How could they justify it when even mass murderers have bank accounts? I can picture a huge picture of ClubMan behind every bank teller window ' we do not accept money from this man' ;)
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What the hell are you on about? :rolleyes:
 
rmelly said:
Someone without an account is not a customer.
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I know you were trying to be smart there. Of course you are completely wrong. There are plenty of things you can do as a customer without having an account :)
 
hatfield said:
I know you were trying to be smart there. Of course you are completely wrong. There are plenty of things you can do as a customer without having an account :)
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And I know you're attempting to be pedantic there. Can you point me to the legislation that says a bank must serve anyone that turns up at it's door?
 
rmelly said:
And I know you're attempting to be pedantic there. Can you point me to the legislation that says a bank must serve anyone that turns up at it's door?
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You presume too much mr rmelly
 
rmelly said:
you mean in presuming you knew what you were talking about? Sorry, won't make that mistake again.
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Well you are clearly wrong on a number of points. So if you presume I dont' know what I am talking about then I can only point to your track record of false presumptions.
 
hatfield said:
Well you are clearly wrong on a number of points. So if you presume I dont' know what I am talking about then I can only point to your track record of false presumptions.
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thanks - you've just confirmed my suspicions.
 
Maybe they are taking the view that, because the OP has previous financial problems, that they are not worth the effort. It costs banks time and money to deal with all customers. Not worthwhile bothering with a customer who you wont make money from.
 
Below is an extract from AIB Current Account T & C's. If AIB have this, no reason any other bank can't.

2.1 Before you can use your Account you must provide
us with information and documentation to satisfy
the ‘establishing identity’ requirements under the
Criminal Justice Act, 1994. We will advise you of
what is required at the time you seek to open your
Account.
2.2 We reserve the right not to open an account.​
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URL: [broken link removed]​

 
got the rejection letter through the door today. big surprise
" i regret on this occasion that we are unable to help you as your circumstances do not meet the criteria of our assessment process. As responsible lenders we use a process called credit scoring in assessing applications for credit."
it goes on for 2 more paragraphs then explaining why they use credit scoring and informing me if i wasnt happy to reapply if my circumstances change.
i would say fair enough if i was asking for loan mortgage credit card etc but as i was only asking for a fee free bank account my question is where is the credit that they speak of??
im going to get on to the bank in the morning and make my point to them and see if i get any sensible answer.
i can feel the falling down mentatility settling in all ready
 
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