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Abbey: dormant account, ID request
cottager
Posts: 934 Forumite
We have a joint Direct Saver (now what they term I think a 'legacy account') which hasn't had any transactions for some years, so wrote to Abbey at Bradford last week asking them to close it and send a cheque (made out in our joint names). We had both signed the letter.
Just had the reply advising they're 'unable to process' the request as it's in a dormant state, and asking for 2 forms of ID either sent to them or taken into branch:
1. Photographic ID - valid passport or drivers licence.
2. Proof of address - driving licence/utility bill dated within 3 months.
For one thing I don't have any photographic ID: old-style driving licence and no current passport, so if it really is necessary I'll have to check with them what alternatives there could be.
But before contacting them I wanted to ask here about the requirement for ID in itself.
I do accept this account would probably be classed as dormant, but would it not have any bearing that we both have other Abbey accounts in sole names which are active*, also our joint mortgage, and we haven't moved for 25 yrs? -- donkeys years before this account was opened, with no address changes for this or any of our other accounts which carry the same details and signatures, which they could check.
I could understand it better if they'd had a letter out of the blue from a completely different address and this was the only account, but that's not the case... or am I missing the point?
[* 2 x sole eSavers certainly have been, but 2 other old sole passbook accounts with minimum balances have not -- at least, not in terms of any transactions, but both have been taken into branch annually for the pence interest to be added, i.e. they've been regularly produced and 'audited'. They were also going to be closed when the DS had been sorted.]
Just had the reply advising they're 'unable to process' the request as it's in a dormant state, and asking for 2 forms of ID either sent to them or taken into branch:
1. Photographic ID - valid passport or drivers licence.
2. Proof of address - driving licence/utility bill dated within 3 months.
For one thing I don't have any photographic ID: old-style driving licence and no current passport, so if it really is necessary I'll have to check with them what alternatives there could be.
But before contacting them I wanted to ask here about the requirement for ID in itself.
I do accept this account would probably be classed as dormant, but would it not have any bearing that we both have other Abbey accounts in sole names which are active*, also our joint mortgage, and we haven't moved for 25 yrs? -- donkeys years before this account was opened, with no address changes for this or any of our other accounts which carry the same details and signatures, which they could check.
I could understand it better if they'd had a letter out of the blue from a completely different address and this was the only account, but that's not the case... or am I missing the point?
[* 2 x sole eSavers certainly have been, but 2 other old sole passbook accounts with minimum balances have not -- at least, not in terms of any transactions, but both have been taken into branch annually for the pence interest to be added, i.e. they've been regularly produced and 'audited'. They were also going to be closed when the DS had been sorted.]
~cottager
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Comments
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I have to show ID whenever i make a withdrawal at the counter - so i'd guess a withdrawal on the strength of just a letter would be classed as similar. Online transactions have the added security of passwords that, ideally, only you should know0
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They are a very big, powerful, rich foreign bank. They have your money locked in vaults surrounded by a great deal of security. They will not give you your money back unless you do what they say.0
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I had a very similar thing recently, received a new bank card for an acc with the abbey which i thought i'd shut about a year ago, went into the branch with my driving licence to shut the account, but they wouldnt do it without proof of 'ownership', ie the card. Went back about 2 week later with the card to discover the acc. was closed anyway, and the card was sent out by mistake :mad:0
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Abbey being their usual helpful, thoughtful, sensible selves -
and they keep your money for even longer earning next to no interest.0 -
Yes, I had a bad feeling about this, but hoped I was wrong!
The reason for closing by letter was twofold: first, we can't get into the branch together -- virtually impossible for OH to make it in opening hours. There are chances occasionally, but he doesn't know till it comes along. A couple of times we've gone together, but run up against the situation these days of not being able to turn up on spec and see someone: queues out the door often, then when you make it in it's 'no one free, you'll have to make an appointment' (days ahead), or wait 2 hrs or something.
This is the problem with producing ID at the branch as well, for this closure. I could take mine (except I don't have the photographic ID they want!), but not easy for him. Anyway you can imagine the potential mess if we took it in separately at different times, one lot not being associated with the other.... :rolleyes:
Wasn't like this when the DS was first opened. Although the branch couldn't actually deal with it directly, they could be the go-between to process things like ID or make enquiries... and you could just turn up and see someone without the appt palaver.
Secondly this joint DS was never linked with our other sole accounts online, so isn't listed in either of our banking areas when we log in. It's been sitting there so long I can't even really remember why now, as it was an online account. If it was accessible to either of us we could probably have dealt with closing it online, but it isn't.
So it seemed easier all round to do it by post, but now we're involved in this ID stuff.~cottager0
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