2nd chance!!!!!

[wickedwitch]

My daughter very stupidly tried to pay a stolen cheque into an account because she was unaware it was stolen and believed the boy involved.
She was 16 at the time and her account was closed. She was not prosecuted or spoken to by police.
She is now nearly 18 and trying to open an account but is unable to because of this stupid event.
Is there a central register and will anybody give her a second chance?
No account means no job.
She has learnt her lesson and worked hard on her A levels for the past 2 years.

[WendyS]

Why not phone up the original bank, get her to ask for a personal interview with a member of staff so that she can explain her situation face to face, and see if that works. It might help if she could be given a written character reference by a member of her teaching staff to take with her.

[EverClean]

Banks are obliged by the Government to make banking facilities open to all. As above post says, a personal inyerview helps. With benefits and pensions being paid straight into bank accounts she should be able to get basic banking facilities from the High St banks.

[jason1980]

Go with her to open an account. You'll find it's more about ID purposes rather than what she done.

When I was 15yrs old I did something much worse, but it didn't affect me opening a bank account, and now Im even with the same bank, im 26 now.

[themas]

It sounds as if what happened has been logged on her credit reference agency records. (You can check these by requesting the records - look at websites for Experian, Equifax and Call Credit). If so, she ptobably won't get a full account as these involve a credit check.

However, she should be able to get a basic account (one with no cheque book or debit card and no overdraft facility, but wages can be paid in and direct debits/SOs set up). Most banks, and some building societies such as Nationwide, do them.

[catgar]

http://www.gregorypennington.co.uk/Otherservic esBankacounts.asp - try this you have to pay a �25 set up fee and �8 each month you get two account one for all direct debits to be paid and a cashcard account where the rest of you money goes so you can spend whats in your account with out touching you bill money, you dont get a cheque book or chip n pin card its just a simple card with two accounts or give them a call on 0800 634 2051

[catgar]

JUST SOME MORE INFO ON GREGORY PENNINGTON

The Gregory Pennington Managed Bank Account.

Gregory Pennington has designed a bespoke service by arrangement with The Royal Bank of Scotland. This service is not a basic or universal bank account, it has been designed to fulfil a specific money management role and it offers significantly more than the basic bank accounts that are available on the high street.



We can normally open an account even if you have already been turned down by the high street banks because of an adverse credit rating or bankruptcy.

For a one-off �25 set-up fee and a monthly charge of �8 we offer the benefits of an interest-earning account (currently yielding a gross interest rate of 3 per cent below the Bank of England base rate) with a cash card that can be used to make free cash withdrawals of up to �300 at any cash point throughout the LINK network and some networks overseas. You can use the account to set up your direct debits and standing orders. Best of all, it can be run as a managed account providing peace of mind � knowing that we will work closely with you to ensure your essential day to day bills and expenses will be paid.


No charges are passed on to you for unpaid direct debits or standing orders or if you become overdrawn. You will have access to BACS and cheque payment facilities without any additional cost.

Call one of our banking advisers free on: 0800 634 2051