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- The real Chris
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You wouldn't believe the problem we had opening a bank account, for my son that was about to start work.I ran into that "problem" of not owing anything, it can make you appear a huge risk to some.
He had no credit rating, but why should he? he'd been subsidised by the bank of dad up to that point.
It was the Woolwich BTW, and yet we ( my ex and I) had also held a joint account with them for many years.
The Halifax made it so much easier, and yet at that point we never had an account with them.
Once My lad was sorted we also transferred the "Woolwich" account to them also