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  • FIRST POST
    • Tony5768
    • By Tony5768 10th Mar 17, 5:53 AM
    • 1Posts
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    Tony5768
    Unable to send CHAPS payment for house purchase
    • #1
    • 10th Mar 17, 5:53 AM
    Unable to send CHAPS payment for house purchase 10th Mar 17 at 5:53 AM
    Hi everyone, first time post here but really need some advice, I'll try and give as much detail as possible.

    I recently won £250k so decided to buy a house, everything's gone through and I need to send the money to my solicitor but the issue I have is my bank (lloyds) won't let me send a chaps payment without photo ID, This wouldn't of been an issue a week ago but as I passed my driving test last Friday I don't have any ID as I've had no use for a passport for the last few years, I do however have a photocopy that I had to send off to my solicitor.
    If this wasn't enough stress lloyds have also blocked my online account for suspected fraud (as you can imagine they've done this a few times and I'm getting pretty annoyed about it, and yes, you've guessed it they also won't unblock my account without photo ID
    Does anybody have any ideas on how I can send the money to my solicitor quickly without my photo ID?
Page 1
    • eDicky
    • By eDicky 10th Mar 17, 7:21 AM
    • 2,113 Posts
    • 893 Thanks
    eDicky
    • #2
    • 10th Mar 17, 7:21 AM
    • #2
    • 10th Mar 17, 7:21 AM
    Passport renewals are being processed very quickly these days; apply using the online form, send it off with your old one and it's likely to come back in about four days if there are no complications.

    Or perhaps your driving licence will arrive first..?
    Last edited by eDicky; 10-03-2017 at 7:25 AM.
    • agrinnall
    • By agrinnall 10th Mar 17, 8:48 AM
    • 17,011 Posts
    • 12,693 Thanks
    agrinnall
    • #3
    • 10th Mar 17, 8:48 AM
    • #3
    • 10th Mar 17, 8:48 AM
    Transfer the money to a bank that will let you set up the CHAPS payment in online banking - to be honest I'm a bit surprised that Lloyds doesn't allow this but I don't bank with them so maybe it's something they have never included as an online offering.
    • Ben8282
    • By Ben8282 10th Mar 17, 9:22 AM
    • 1,628 Posts
    • 635 Thanks
    Ben8282
    • #4
    • 10th Mar 17, 9:22 AM
    • #4
    • 10th Mar 17, 9:22 AM
    lloyds have also blocked my online account for suspected fraud (as you can imagine they've done this a few times .
    Originally posted by Tony5768
    No I can't imagine why they would have done this a few times. Once perhaps if there was any question as to the origin of this 'win', but not a few times, no.
    • GibbsRule No3
    • By GibbsRule No3 10th Mar 17, 10:31 AM
    • 609 Posts
    • 355 Thanks
    GibbsRule No3
    • #5
    • 10th Mar 17, 10:31 AM
    • #5
    • 10th Mar 17, 10:31 AM
    You can get a same day passport if you have the correct documentation. Look on their website.
    Paddle No 21
    • Westie983
    • By Westie983 10th Mar 17, 11:58 AM
    • 3,506 Posts
    • 13,335 Thanks
    Westie983
    • #6
    • 10th Mar 17, 11:58 AM
    • #6
    • 10th Mar 17, 11:58 AM
    How much do you need to send to your solicitor?

    You are able to send 25k by faster payment, but if you need to send more then you will need to send via CHAPs where you have already found you need ID.

    You can either wait for your Driving license to come back, or speak to Lloyds about alternative ID, Government issued document, Statement, or Utility bill, could be used as long as you have a signature stored on the system, as not all people will be able to drive, and have a need for a passport. There are exceptions to photo ID, but it does mean more documents to provide.

    Good Luck
    Save 12k in 2017 #16 Total £7725/£12000 64.37%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£148/£500 = 80.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £100.00/£365 = 27.39%
    Virtual Sealed Pot #1 Total £450/£1000 = 45.00%
    £2 Savers Club 2017 #3 Total (£1450)+£50/£2000 = 75.00%
    Total £10175.00/£15865 = 64.13%


    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • jimjames
    • By jimjames 10th Mar 17, 6:09 PM
    • 11,482 Posts
    • 9,685 Thanks
    jimjames
    • #7
    • 10th Mar 17, 6:09 PM
    • #7
    • 10th Mar 17, 6:09 PM
    How long has this purchase been going through? Even cash sales seem to take quite a few weeks with searches etc, how did you do the deposit? When do you need to exchange?
    Remember the saying: if it looks too good to be true it almost certainly is.
    • colsten
    • By colsten 10th Mar 17, 6:31 PM
    • 8,422 Posts
    • 6,976 Thanks
    colsten
    • #8
    • 10th Mar 17, 6:31 PM
    • #8
    • 10th Mar 17, 6:31 PM

    You are able to send 25k by faster payment
    Originally posted by Westie983
    Difficult to make faster payments if your online access has been blocked
    • pinkdalek
    • By pinkdalek 10th Mar 17, 7:26 PM
    • 1,204 Posts
    • 696 Thanks
    pinkdalek
    • #9
    • 10th Mar 17, 7:26 PM
    • #9
    • 10th Mar 17, 7:26 PM
    Is it in your current account?
    Got a cheque book?

    Solicitor accept cheque?

    How many days do they need for it to clear if they do?

    And then sack Lloyds off, I understand there are procedures but as Westie stated they should have offered alternative ID as not everyone has a passport and drives.
    • Westie983
    • By Westie983 12th Mar 17, 12:18 AM
    • 3,506 Posts
    • 13,335 Thanks
    Westie983
    Difficult to make faster payments if your online access has been blocked
    Originally posted by colsten
    Faster payments are not only done online, there are other ways, not as accessible and easy as online but alternative channels nether the less.
    Last edited by Westie983; 12-03-2017 at 12:21 AM.
    Save 12k in 2017 #16 Total £7725/£12000 64.37%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£148/£500 = 80.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £100.00/£365 = 27.39%
    Virtual Sealed Pot #1 Total £450/£1000 = 45.00%
    £2 Savers Club 2017 #3 Total (£1450)+£50/£2000 = 75.00%
    Total £10175.00/£15865 = 64.13%


    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • dk5294
    • By dk5294 12th Mar 17, 1:04 PM
    • 151 Posts
    • 16 Thanks
    dk5294
    Sounds to me like Lloyds are concerned about something. I recently withdrew a large amount and closed a savings account using my birth certificate, utility bill and a bank statement from my current account provider. My drivers license and passport isn't in my maiden name but this account still was and they were rather wary about just using these items as I wasn't a regular at the bank or known to some of the older clerks (my uncle set the account up when I was little and I never knew about it until recently, but that's another story). They were honest and told me that it was a rather unusual story and due to the balance they'd like to ensure I was definitely who I said I was.
    • maas
    • By maas 12th Mar 17, 1:54 PM
    • 469 Posts
    • 321 Thanks
    maas
    Hi everyone, first time post here but really need some advice, I'll try and give as much detail as possible.

    I recently won £250k so decided to buy a house, everything's gone through and I need to send the money to my solicitor but the issue I have is my bank (lloyds) won't let me send a chaps payment without photo ID, This wouldn't of been an issue a week ago but as I passed my driving test last Friday I don't have any ID as I've had no use for a passport for the last few years, I do however have a photocopy that I had to send off to my solicitor.
    If this wasn't enough stress lloyds have also blocked my online account for suspected fraud (as you can imagine they've done this a few times and I'm getting pretty annoyed about it, and yes, you've guessed it they also won't unblock my account without photo ID
    Does anybody have any ideas on how I can send the money to my solicitor quickly without my photo ID?
    Originally posted by Tony5768
    Go the passport office and get a same day new passport
    • SevenOfNine
    • By SevenOfNine 12th Mar 17, 3:31 PM
    • 1,020 Posts
    • 935 Thanks
    SevenOfNine
    You are able to send 25k by faster payment, but if you need to send more then you will need to send via CHAPs where you have already found you need ID.
    Originally posted by Westie983
    It's £20k per day with Lloyds (as we were informed 2 days ago), obviously not for OP with a blocked a/c.

    CHAPS we were told would cost £30 for each transfer (2x £50k), no mention of a photo ID, just our debit or credit card required.

    Their suggestion if I didn't want to cough up £60 charge or spend 5 days transferring the funds (& risk getting my a/blocked for suspcious money movement), was "write a cheque".
    Seen it all, done it all, can't remember most of it.
    • PeacefulWaters
    • By PeacefulWaters 12th Mar 17, 4:36 PM
    • 5,816 Posts
    • 7,000 Thanks
    PeacefulWaters
    It's £20k per day with Lloyds
    Originally posted by SevenOfNine
    I wonder why they say it's £25k all over their web site ...
    • SevenOfNine
    • By SevenOfNine 12th Mar 17, 6:16 PM
    • 1,020 Posts
    • 935 Thanks
    SevenOfNine
    I wonder why they say it's £25k all over their web site ...
    Originally posted by PeacefulWaters

    Me to......
    Seen it all, done it all, can't remember most of it.
    • jonesMUFCforever
    • By jonesMUFCforever 12th Mar 17, 9:04 PM
    • 23,485 Posts
    • 10,766 Thanks
    jonesMUFCforever
    I would suggest the OP does not have a cheque book.
    As the account is currently blocked then no payments can be made through any channel at all.
    He will have to wait until the account is unblocked - this will give him time to obtain the id required.

    (To the poster who was told that a CHAPS charge of £30 x 2 max £50k each? you have been given wrong information IMO - IF funds were held in two accounts you would transfer sufficient into one Lloyds account and transfer the amount in one sum - there is no maximum for CHAPS payment)
    What goes around - comes around
    give lots and you will always receive lots
    • Westie983
    • By Westie983 12th Mar 17, 10:06 PM
    • 3,506 Posts
    • 13,335 Thanks
    Westie983
    It's £20k per day with Lloyds (as we were informed 2 days ago), obviously not for OP with a blocked a/c.
    Originally posted by SevenOfNine
    Its 25k, If you want to be sure, you check Lloyds bank webpage, click under payment limits, but to save you having to do the search I will link it for you...


    No need to apologise but you are wrong.

    https://www.lloydsbank.com/online-banking/benefits-online-banking/view-pay-your-bills.asp#collapse3-1438975318612
    Save 12k in 2017 #16 Total £7725/£12000 64.37%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£148/£500 = 80.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £100.00/£365 = 27.39%
    Virtual Sealed Pot #1 Total £450/£1000 = 45.00%
    £2 Savers Club 2017 #3 Total (£1450)+£50/£2000 = 75.00%
    Total £10175.00/£15865 = 64.13%


    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • SevenOfNine
    • By SevenOfNine 13th Mar 17, 12:28 PM
    • 1,020 Posts
    • 935 Thanks
    SevenOfNine
    Thanks Westie, I wasn't going to apologise as I did write "as we were informed 2 days ago". I found the info after #14 PeacefulWaters politely informed me it was all over the Lloyds website - quite right, it is.

    Pity the bank staff don't seem to know! She even said it as "£20k per day spread over 5 days, & hopefully your account won't be blocked for suspicious activity"!

    Thanks JonesMUFC - I think I misled you somewhat. We're sorting out moving £100k from our Lloyds joint bank a/c into 2 separate accounts, £50k each for our 2 grandsons. 2 separate CHAPS transactions @ £30 each.

    I think I might resort to our good old fashioned cheque book.
    Seen it all, done it all, can't remember most of it.
    • Shakin Steve
    • By Shakin Steve 13th Mar 17, 12:42 PM
    • 568 Posts
    • 389 Thanks
    Shakin Steve
    @SevenOfNine...I hope your grandsons realise what wonderful grandparents they have.
    I came into this world with nothing and I've got most of it left.
    • SevenOfNine
    • By SevenOfNine 13th Mar 17, 4:12 PM
    • 1,020 Posts
    • 935 Thanks
    SevenOfNine
    Thanks Shakin Steve - but TBH our younger son died just over a year ago without a Will & no wife/children. By default, as parents, his estate landed in our lap (though thankfully he'd nominated his brother for £273K pension/service benefit). We just need to do the right thing, what we know for sure he'd have wanted, & pass the bulk of what we inherited on to his nephews (our grandsons age 7 & 8).
    Seen it all, done it all, can't remember most of it.
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