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  • comeocome 43 posts

    Hi, while I was trying to open an account with Ulster Bank (for their switching offer), I got hard credit checked, which was not mentioned in their application (I did not apply for an overdraft). However, the application was never completed or submitted, as Ulster requires ID check at branch, and none of their branches are close to me. The hard credit check did leave an impact on my credit score though, any ways to dispute with Ulster/ credit bureau and get it cancelled? Thanks.

    John 947 posts

    If you are opening a current account, you can be hard checked whether or not you ask for an overdraft. On a quick search they do state that here https://www.ulsterbank.co.uk/globals/privacy.html

    Unless a bank specifically states that they will give you a current account without hard checking you you should assume that they will do.

    Rui N. 804 posts

    People really get worried about such irrelevant stuff.

    Andrew. 456 posts

    There’s nothing to dispute.

    Just a lesson learnt for you. Don’t make a formal application for a product before checking it is suitable for your circumstances.

    There are still loads of Ulster Bank branches across Northern Ireland, you can’t be *that* far away from one.

    BA Flyer IHG Stayer 1,843 posts

    There are far away if you don’t live in NI !

    Andrew. 456 posts

    There are far away if you don’t live in NI !

    That would just be silly though.

    Ulster, RBS, and NatWest are all brands of NatWest Group and all have the identical switching offer. So you’d just choose whichever brand was most convenient for the UK region where they live.

    If they didn’t live in NI, by starting the application process with Ulster they’d know they’d risk forfeiting the offer at NatWest or RBS too as it’s only available once across the group.

    WillPS 193 posts

    There are far away if you don’t live in NI !

    That would just be silly though.

    Ulster, RBS, and NatWest are all brands of NatWest Group and all have the identical switching offer. So you’d just choose whichever brand was most convenient for the UK region where they live.

    If they didn’t live in NI, by starting the application process with Ulster they’d know they’d risk forfeiting the offer at NatWest or RBS too as it’s only available once across the group.

    In theory, yes. In reality you can have one bonus per brand.

    You can also service Ulster, RBS and Natwest accounts at all 3 branch networks. When I opened an Ulster account I got a nice call from a lady in Belfast offering me to set up a branch meeting at Natwest in Nottingham for one of their ‘health checks’.

    PIL 97 posts

    Actually, they pay one switcher bonus per bank 🙂 Or at least they did up to now!

    Toaster 102 posts

    I also got a switching bonus (previous time round) for Ulster, RbS and Natwest.

    Harrier25 816 posts

    Ulster, RBS, and NatWest are all brands of NatWest Group and all have the identical switching offer. So you’d just choose whichever brand was most convenient for the UK region where they live.

    …until they close the branch of the brand most convenient to you, then it’s no longer convenient. I’ve just taken out the switching offer with the RBS brand of the group and the ID checks were all carried out online and, as with most high street banks, I can deposit cash into my account instantly at any Post Office in the UK with my debit card, which is very convenient!

    zapato1060 561 posts

    Yeah I also got all 3. For Ulster I put down my nearest branch was in Belfast. I live in Berkshire.

    comeocome 43 posts

    Ulster, RBS, and NatWest are all brands of NatWest Group and all have the identical switching offer. So you’d just choose whichever brand was most convenient for the UK region where they live.

    …until they close the branch of the brand most convenient to you, then it’s no longer convenient. I’ve just taken out the switching offer with the RBS brand of the group and the ID checks were all carried out online and, as with most high street banks, I can deposit cash into my account instantly at any Post Office in the UK with my debit card, which is very convenient!

    Indeed. Don’t know why RBS NatWest offers online ID checks but not Ulster…

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