I am in a civil partnership with a Thai National who has been living in the UK since April 2008 (we became legal civil partners in August last year) He has limited right to work and remain in the UK as my partner until Nov 2009 when he can apply for unlimited leave to remain. He holds a Thai passort which is printed in Thai and english but has not currently worked in the UK or applied for a driving license.
I contacted my long standing bank (cahoot) with a view to adding him as a joint account holder but they have refused point blank saying that he must have resided here three years! (even though I was prepared to offer a guarantee on his behalf). We have since approached several banks most of who would not offer an account for more or less the same reasons. The Co-operative bank said they could and we completed the on line application - however the welcome pack required him to provide proofs of ID that he dosnt have. The only identity documents he has are his passport, our civil partnership document, his ID card (but in Thai) and a UK medical card. The only other bank that indicated it might be able to offer him a "limited" personal account is HSBC - but of course this account did not offer on-line banking and I think made a monthly charge.
I really dont know where to turn - I feel that the banking industry are not only ignoring my past good banking record but also insulting my partner who has made a committment to live with me in the UK. They all cite money laundering regulations however if that were really the case how come HSBC are able to to open an account and how is my credit card company able to issue a second credit card on my account in his name?
Can you offer any advice on how we can operate a joint bank account which, apart from being needed when he starts work, will be very helpful in supporting his application to remain here indefinitely next year