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
A scammer with GDPR training and DBS?
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
Hmmm, gotta be a way around that though. Just thinking about it. I was gonna say HSBC Global View and realised nope, CIFAS.
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
Would wise run a CIFAS?
The UK entity would, yes. If you opened an account abroad it wouldn’t because Cifas is a UK agency.
But that would require either moving abroad or committing further fraud, both of which are quite drastic moves.
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
High street banks aren’t going to budge, haven’t you seen how everyone says that, nobody is successful and then it gets regurgitated. I bet you there’s branch staff that don’t know what CIFAS is, or if they do, no autonomy to override a referred application. It’s usually all automated.
Source: done branch applications at several banks
In fact procedurally, they won’t even be allowed to disclose that as the reason for rejection
What harm is continuing civil on-topic conversation doing?
Also worth mentioning not all banks use CIFAS, most, but not all.
I’m thinking one of those niche ones that I signed up for may work. Going to have a look at the list of personal current account providers vs. CIFAS members.
I’m not sure I can name a high street bank that isn’t a CIFAS member
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.
On that front, I gather that CoOp and Barclays are the go to choice for bankruptcy, possibly also in this situation.
Which ones don’t? They might be the key to this thread.
Is it possible to get a CIFAS from opening too many current accounts? Like could the banks get a bit sketched out about it?
Purely a hypothetical question… I’m definitely not a card collector
(For reference, I don’t have a CIFAS. And I’d like it to stay that way)