Agreed. For something that can be so life altering (innocent or not, even people coming out of prison sentences for 6 years after violent crime can open a bank account and resume their lives) there needs to be transparency and oversight.
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I agree, this is exactly what I was aiming for when I asked for statistics.
I don’t believe changing the “punishment” is the right solution. There must be consequences for actions, and without sounding overly strict, it seems to be a growing trend that people want to face fewer repercussions for wrongdoing these days.
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My issue with it is that it’s disproportionate.
If I stole/defrauded my employer, I’d get the sack, depending how much/how severe, I could go to prison, but maybe a suspended sentence.
But I can still have my bank account.
You make a small (sometimes big!) mistake and you really struggle for 6 years!
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The more I read into CIFAS, the more it feels like a future scandal in the making.
CIFAS also runs a database for Insider Threats. Employers report suspected applicants and even current staff for dishonesty…
So in effect, if a new potential employer checks the database, you could be rejected for a job, based on a submission made by a former employer, with no due process… 
Unless I’ve misunderstood? Full info at the below link. Keen to hear other views…
“’ Insider Threat Protect is the only solution in the UK that helps you identify and stop dishonest conduct by job applicants and employees within the workplace. Using our solution organisations can search against thousands of fraud risk cases at any stage in the employee life-cycle – from recruitment to retirement. “
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I’m pretty sure people wanting avoid punishment for wrongdoing has been consistently ubiquitous since punishment for wrongdoing was first invented 
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haha I knew someone would pick on something from my comment I went back and forth trying to word it in a way that didn’t make me sound like a heartless old man
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A scammer with GDPR training and DBS? 
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The problem with a GBP account abroad would be that they would give you an IBAN but probably not a UK sort code and account number. And most employers will not pay or make an IBAN transfer
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Wirex? and there’s another one I can’t remember. But you deposit with your own sort code and account number, no direct debits, but atleast a debit card
Fineco might have done the biz, but it’s closing in the UK next month.
Wise abroad does give me a UK Sort code and account number
I was borderline going to say that yesterday, wish I had now.
I understand some people are trying to help but I don’t think the answer to fraud is to commit potentially more.
I think the answer is look for a high street bank which might offer a basic account and be completely honest from the first second of the full situation because they’ll find out eventually anyway.
Has this thread run its course? @AlanDoe
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What harm is continuing civil on-topic conversation doing?
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Also worth mentioning not all banks use CIFAS, most, but not all.
It might be civil but telling people who are probably in a desperate citation options that might instigate, even innocently, more potential fraud, I can see how that might not be ideal.
The conversation might be civil but its a bit like saying to someone who can’t use a card to gamble “you could always get cash out” because that might cause someone in a desperate situation to risk it a little more.
That was the answer in the first reply to the OP.
I know 
Not trying to shut down what I agree is a civil thread and with a lot of very well meaning people. But just bringing back the only sensible option back around in and among a lot of what-a-boutaries and might works.
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On that front, I gather that CoOp and Barclays are the go to choice for bankruptcy, possibly also in this situation.
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Which ones don’t? They might be the key to this thread.
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Not directly. But I can’t imagine it’d do good in the case of mortgage applications etc.