Barclays Community Account: "*Checks we need to make on all authorised person* .... To do this we will make credit reference fraud prevention searches and other enquiries. Credit reference agencies will check the Electoral Register. Records of credit reference searches made only to verify your identity will not be disclosed to other lenders to assess your ability to obtain credit. .... *Checks wee need to make only on authorised persons who have, or are likely to have, a personal liability for money due to us* We and credit reference and fraud prevention agencies will share your information. We and other organisations may access and use this information to make credit assessments and to prevent and detect fraud, money laundering and other crimes. Examples of circumstances when your information or information relating to your partner(s) or other members of your household may be accessed and/or shared include: * checking details on applications for credit and credit related or other facilities; * managing credit and credit related accounts or facilities; * recovering debt; * checking details on proposals and claims for all types of insurance; and * checking details of job applicants and employees. ..... Credit reference agencies keep a record of our enquiries and may record, use and give out information we give them to other lenders, insurers and other organisations." -- Experience is a good school but the fees are high. - Heinrich Heine

On Fri, 2008-09-12 at 00:18 +0100, Thomas Dalton wrote: Um, nope. It's in the pack I had to spend 15 minutes on the phone in their branch requesting. I'll bring in along to the pub on Sunday. I'll type it out in full below for you to see the whole answer to those two questions. ----- "*Checks we need to make on all authorised person* We need to carry out certain checks on you personally for our own and for regulatory purposes both now and in the future. To do this we will make credit reference fraud prevention searches and other enquiries. Credit reference agencies will check the Electoral Register. Records of credit reference searches made only to verify your identity will not be disclosed to other lenders to assess your ability to obtain credit. If false or inaccurate information is provided or fraud is suspected, details may be passed to fraud prevention and credit reference agencies. Law enforcement agencies may access and use this information. The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries. Please contact us if you want to receive details of the relevant fraud protection agencies. *Checks wee need to make only on authorised persons who have, or are likely to have, a personal liability for money due to us* We and credit reference and fraud prevention agencies will share your information. We and other organisations may access and use this information to make credit assessments and to prevent and detect fraud, money laundering and other crimes. Examples of circumstances when your information or information relating to your partner(s) or other members of your household may be accessed and/or shared include: * checking details on applications for credit and credit related or other facilities; * managing credit and credit related accounts or facilities; * recovering debt; * checking details on proposals and claims for all types of insurance; and * checking details of job applicants and employees. In addition we will share information about you and how you manage your accounts with credit reference agencies. Information held about you by the credit reference agencies may already be linked to records relating to your partner(s) or members of your household where a financial 'association' has been created. Any enquiry we make at a credit reference agency may be assessed with reference to any 'associated' records. Another person's record will be 'associated' with yours when: * you make a joint application; * you advise us of a financial association with another person; or * if the credit reference agencies have existing, linked or 'associated' records. This 'association' will be taken into account in all future applications by either or both of you and shall continue until one of you applies to the credit reference agencies and is successful in filing a 'disassociation'. Credit reference agencies keep a record of our enquiries and may record, use and give out information we give them to other lenders, insurers and other organisations." -- Experience is a good school but the fees are high. - Heinrich Heine

On Thu, September 11, 2008 23:38, jonathan cardy wrote: WER were obliged to give details for *all* Directors, even though we made it clear that only three would have any power over the account. Alison ps. sfaiaa other banks in addition to the Co-operative Bank plc were approached; I just don't know which. The Coop happens to have a specific account for community organisations thus were the preferred option.

I've just been visiting some banks and some wanted details of all directors, but they only actually wanted ID and whatever from signatories. Others only cared about signatories. Most of the banks I spoke to had a dedicated community or charity account (Nationwide and Abbey only had savings accounts for them, I assume we want a full current account?). I spoke to HSBC, Barclays, Lloyds and Natwest, all said much the same things (I have leaflets and packs and forms and things from them which I will bring on Sunday [if I can make it - it's possible I won't, something has come up that may get in the way]). All except Natwest said they wouldn't do any credit checks on signatories, they just need two forms of ID (one with address). Natwest said they would credit check, but it was easy to pass and students should have no problem (I realised after I left that I hadn't mentioned it was an incorporated charity, the checks may only be for unincorporated since the directors are personally liable then - we can double check that later). They all want all kinds of paperwork - the Mem and Arts, Certificate of Incorporation, minutes of the board meeting appointing officers and deciding to open a bank account, etc. It's all stuff we can manage, though. The checks they do run (to check you exist, I suppose) should take a week or two. I asked HSBC (forgot to ask the rest) about under-18 directors and they said it would only be an issue if we wanted to borrow money (which we don't), and even then it might be fine (she wasn't sure).