Twice at Aldi my edge credit card has been declined via Google pay for a fraud check. Had to use another card and pass up the cashback.
That’s weird as my Edge CC works at Aldi via Google Pay every time 
Must stick out compared to other transactions. Lord knows.
My old credit card did this a few times when I first got it. So willing to be lenient for now…
Now also appears I cannot login to the app 
Edit - I got in
Not wanting to derail another thread with my previous banking woes but I applied for a Santander account last night as I’ve not used them since my wrongly applied CIFAS issues back in 2019 and wanted to see how they stack up to the competition these days. Only accepted for a basic account so had faith the details they had about me before internally were finally resolved as it used to be an instant decline.
Received a call today saying the account was closed with immediate effect as I was deemed a risk to the business. There is absolutely nothing more that could be causing this other than what happened back in 2019 which I am thankful I kept ALL the paperwork for from the FOS. On one hand I really want to fight it because I know they are using inaccurate data and I’m worried this might cause any implications in later years… but on the other hand, I think why bother and just move on.
I just would do this
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Because if the day comes when you apply for a mortgage, it may well matter. Better to sort it out now.
Sounds like there’s a marker of some kind against you, just not the obvious ones apparently. Would it be worthwhile approaching one of the debt charities to see if they can use their resources and access to see what it might be? Not saying that you’re in debt, just that they likely have more capabilities than us normal mortals.
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I’m just more concerned they wouldn’t give me any reason other than a ‘risk’ when closing my basic bank account which I was under the impression they couldn’t do unless it was due to fraud etc which just plays into my CIFAS from 2019 theory still registered on their systems somewhere.
Have you not been opening a few banks recently? Perhaps they just see that there is no CIFAS marker now, that you have other bank accounts (most basic bank accounts actually do stipulate you have no other bank accounts at all) and that just with all said and done they don’t want to take any risk. They are allowed to do this really. It doesn’t mean there is a marker.
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Checked on live chat and they said opening a second current account would typically involve a credit search! Unlike the twitter agent. Go figure!
I agree with the applying of markers, but in this instance there is no marker. This is just a bank assessing the whole picture and making a business decision. It’s no different to when Monzo declines an account and we just tell the person that it’s within their rights to do so.
I don’t know what their credit report is like, so I can only go off what they tell us. But if there was a previous marker added then removed, there may be an internal history that isn’t official but all banks will have anyway. If they then see a few bank account openings recently, coupled with the fact they accepted a basic bank account (designed for those who cannot open any other bank accounts) then perhaps they felt there was a risk and closed the account, knowing they weren’t leaving them bankless and therefore not breaking any regulations.
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Make it three sadly 
Lloyds Banking Group (Halifax, Lloyds and Bank of Scotland)
Santander
RBS/Natwest.
So effectively 5 banks that I get a straight up no from even for a basic account. I do get what you mean @coffeemadman about having more than 1 basic account but the terms normally state they can close it if you open another account after it was opened not before.
Santander states you cannot hold another account in order to open one.
I’m not suggesting this is fair, I just think that banks are free to decide who they deal with. You’re not bankless so nobody is leaving you unable to access banking at this stage.
Some banks are just odd. I cannot and never have been able to open a First Direct account and HSBC have a long history of just offering me a basic account. No other banks have issue with me and I never have had a marker on my record, removed or otherwise.
I’m not arguing it’s right, I’m arguing what it is.
A basic bank account is designed by government to be, for all intents and purposes, always able to be open with a few major banks providing no other account is open. If an account is open, they are not obligated to open one and thus not bankless. It’s by design.
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Did you manage to get the Cashminder?
Is this a new thing? I’ve had the 123-Lite account for years and have never seen this sort of notification before
I’ve had them for ages. I’ve found them to be totally useless, but not yet annoying enough to find out how to turn them off.
My NHS pension arrives every month showing the amount of tax deducted in the comments. Every month Santander tells me that I have a tax payment of £x,xxx.xx.
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I also really miss being notified about upcoming DDs. Going to wait and see how much cash back I earn for this month and decide if it’s sort a few quid a month not to know what’s coming out of my account 
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You could get similar alerts by connecting your Santander account to an aggregator/budgeting app. I think both Emma and Snoop (for example) provide alerts/reminders for upcoming regular payments.
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