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  1. #1
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    Default Item of correspondence to prove living together

    I asked British Telecom to have my wife's name added to the phone bill to prove we live together

    Asked for - David and Varaporn xxxxxx
    Got - Mr D xxxxxx and Mrs V xxxxxx


    Will this be acceptable for SET(m)


    David

  2. #2
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    yes it will

  3. #3
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    Thank you Samsung

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    You can get it on the Council tax bill if you pay ..Anglian Water made my water bill in joint names..And i set up a joint bank account also even though I only keep buttons in the account..

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    Thank you tudorowen1

  6. #6

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    We both applied for EHIC cards at the same time and they helpfully sent them through addressed to both of us together. Metro Bank is the easiest bank to get an account and she will get the debit card etc before you leave the bank. Most of the other banks are a nightmare.

  7. #7
    Forum Dinosaur ไดโนเสาร์ Flip's Avatar
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    Quote Originally Posted by rasg View Post
    Most of the other banks are a nightmare.
    When did that start? Never had a problem. Visa shown, bank account opened.

  8. #8

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    Nationwide who I have the last bit of my mortgage with took three months to refuse my wife an account. First Direct would only give us a joint account. Walked into the Metro bank in Uxbridge and walked out less than an hour later with a debit card in my wife's name only having deposited some cash. They do things very differently.

    I also asked three other banks where I am not a customer and they said she was unlikely to get an account with them.

  9. #9
    Forum Dinosaur ไดโนเสาร์ Flip's Avatar
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    Hmmm that is strange. Its 8 years ago now but my ex got her first account with Nationwide as I introduced her and later got one at Lloyds on her own. Her employer banked with Lloyds and she mistakenly thought she had to have an account with the same bank as that's the way it is in Thailand - at least it is with the Marriott group.

    From memory all that the banks required then was proof of permanent residence and a Settlement Visa was accepted for that purpose.

  10. #10

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    Quote Originally Posted by Flip View Post
    Hmmm that is strange. Its 8 years ago now but my ex got her first account with Nationwide as I introduced her and later got one at Lloyds on her own. Her employer banked with Lloyds and she mistakenly thought she had to have an account with the same bank as that's the way it is in Thailand - at least it is with the Marriott group.

    From memory all that the banks required then was proof of permanent residence and a Settlement Visa was accepted for that purpose.
    A lot has changed in the banking system due to the money laundering laws etc. I took all her paperwork into Nationwide and then the decision is made in head office. No was the answer. Asked again. Refused again. Complained and got nowhere.

    First Direct. They explained that the computer would probably say no to my wife having an account on her own. They would have to check her credit rating in Thailand. Applied for a joint account created from an account I used to use a lot. All her paperwork had to be validated by my accountant which took 10-12 days going back and forth. Three weeks later she finally got a card.

    She wanted one on her own so I called Metro Bank. Popped in that afternoon. They ran a credit check on her while we waited knowing that it would be non existent. It doesn’t bother them and they opened an account and issued a debit card on the spot.

  11. #11
    Forum Dinosaur ไดโนเสาร์ Flip's Avatar
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    Several banks offer what is known as a 'basic current account' although they do not readily offer them, you have to ask. Basic accounts are not credit scored so there really should be no reason for a bank to refuse an account to an immigrant with no credit history.

    Just to add to that. If a basic account is offered, check what it comes with. Santander for example, only give an ATM card not debit whereas the Co-op do give a debit card.

  12. #12
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    i found nationwide easy added my wifes to my account and she opened her own visa debit card ,also she opened a barclays bank account found the banks to be most welcome ,now this could be something to do with certain councils accepting large or more than there fair share of refugees so services like banks would be more welcome to new accounts ,,,,,,only a thought as to behind why rasg struggled and others have not .

  13. #13
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    My wife and I opened a Nationwide joint account in January with no hassle whatsoever. But obtaining an account solely in your wife's name might be a bit more tricky. The chap that dealt with our application said that if my wife wanted to open her own individual account that would take six months as she would need to build up some credit history.

    Useful to know that Metro bank might offer a sole account if that's what you're after...

  14. #14

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    Metro Bank are a lot more forgiving because they understand that most people moving to the UK won't have any credit history. Getting that credit history can take weeks if there is any history. With a debit card it's not as if they are allowing access to any funds that are not your own.

    That's the way the woman that served my wife explained it.

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