Cahoot Won't Accept ID

Anwen_2

In that case, I'd suggest you call your Council and ask if they can issue a duplicate bill, or call one of the other utilities and get her name added to the account and ask for a duplicate of your last bill with her name on.

I still don't really see how it can be sex discrimination, when there are no doubt plenty of couples where the female partner has all the bills in her name. On the other hand, it can be a nightmare for people living in rented accomodation with all bills included in their rent, as they really can't get anything in their name (and often tenancy agreements aren't acceptable).

[Deleted User]

I tried long and hard to get us into cahoot banking but they returned documents twice as they were in joint names. So I tore up the cahoot application. We have savings accounts with ING, principality, A and L and bank accounts with smile and lloyds (lloyds is local so handy for quick things)

Cahoot is the loser not us

Mark1977

This may or may not help, for one of the documents thats proves who you are you can request a tax code confirmation form from your local tax office. I had to do this when applying for Cahoot. The tax confirmation form was sent out very promptly and arrived within 2 days.

Unfortunately you still need one more bit of proof!

EDIT: Just seen that someone has alreay mentioned that, sorry!

Steve_Netwriter

Anwen wrote:

In that case, I'd suggest you call your Council and ask if they can issue a duplicate bill, or call one of the other utilities and get her name added to the account and ask for a duplicate of your last bill with her name on.

I still don't really see how it can be sex discrimination, when there are no doubt plenty of couples where the female partner has all the bills in her name. On the other hand, it can be a nightmare for people living in rented accomodation with all bills included in their rent, as they really can't get anything in their name (and often tenancy agreements aren't acceptable).

Hi,
Yes, we could. It's the time this is taking. We'll have moved before Cahoot get our account open at this rate - and then it won't be much use !

I wasn't saying it was sex descrimination. It was something my wife said she thought it might be, or at least that's how she felt
I mean, she nags me to get the BT account setup, and then I end up with my name on it, and she gets this hassle as a result !

kittie wrote:

I tried long and hard to get us into cahoot banking but they returned documents twice as they were in joint names. So I tore up the cahoot application. We have savings accounts with ING, principality, A and L and bank accounts with smile and lloyds (lloyds is local so handy for quick things)

Cahoot is the loser not us

Hi Kittie,
That's exactly how I feel now :rolleyes:

If a new bill drops through the letter box, maybe I'll send it off, but otherwise.....can I be bothered ....... ?

Steve

Steve_Netwriter

Mark1977 wrote:

This may or may not help, for one of the documents thats proves who you are you can request a tax code confirmation form from your local tax office. I had to do this when applying for Cahoot. The tax confirmation form was sent out very promptly and arrived within 2 days.

Unfortunately you still need one more bit of proof!

EDIT: Just seen that someone has alreay mentioned that, sorry!

Hi Mark,
Hey, don't apologise. All suggestions welcome.

That might be the easiest and quicket route :j

I'll have to do some ID paperwork shuffling to see if I can cover both of us !

I wonder whether anyone has tested these security ideas ?
If I had time, I'd create a fake set and see if they are accepted (after lodging the info with our solicitor first )

Now what was that Leonardo De Caprio film on that famous US forger turned FBI employee ?

Steve - thanks guys.

pin

The problem as I see it is that Cahoot may not be able to authenticate a certified copy.Why not just send them the original passport by registered post and ask them to return it to you by the same method.

Sending your passport away? Seriously? The only time when I would send my passport through the post is when I would want it renewed, otherwise it stays in my house if (unless I'm leaving the country, when it comes with me!)

Normal money laundering ID requirements are 1 proof of ID (should be cert copy of passport) and 2 proofs of address. Maybe they are accepting the passport as ID proof, but have rejected because you cannot provide address proof for your wife. Anything involving the Inland Revenue should be acceptable. However problem is it should be recent (meaning somewhere between three to six months).

pin

To process your application we need two forms of identification that must not be from the same company. We can accept: credit card (but not store card) statements, bank or building society statements and utility bills (such as gas, electricity). Your identification documents must show your name and current address, and can not be more than three months old. Would you like to know more about the identification we can accept?

We can also accept mortgage statements, council tax bills or notice of inland revenue tax coding (excluding self assessment). These must be less than six months old. We cannot accept photocopies, mobile phone bills or store card statements. All documents must be originals and show your name and address as it appears on your cahoot credit agreement.

This is what Cahoot accepts as acceptable ID (therefore what I said about passport is wrong). They basically are asking with something that shows your wife's name along with the corresponding address. That is probably why they won't accept the passport as it doesn't show the address. Does she have a driving licence?

Steve_Netwriter

pin wrote:

Sending your passport away? Seriously? The only time when I would send my passport through the post is when I would want it renewed, otherwise it stays in my house if (unless I'm leaving the country, when it comes with me!)

Normal money laundering ID requirements are 1 proof of ID (should be cert copy of passport) and 2 proofs of address. Maybe they are accepting the passport as ID proof, but have rejected because you cannot provide address proof for your wife. Anything involving the Inland Revenue should be acceptable. However problem is it should be recent (meaning somewhere between three to six months).

Hi Pin,
I agree on the passport front

This is what I sent Cahoot, with an explanation of how each was intended to be used:

For me:
1. Bank statement (which also had my wife's name on it)
2. Water bill (with just my name)

For my wife:
1. A certified copy of my wife's passport - done very carefully to the most strict banks requirements. I know because one bank wanted something slightly better than the first version we got !
2. A bank statement (with both our names on it).

Now, you might say that we can't use the bank statement twice. But Cahoot haven't said that.

All they have said is:
"To enable us to proceed with your application and open your account we still require one further piece of identification."

And:
"To complete our anti money laundering checks we still need one form of identification"

And then list:
"-Bank / Building Society statement (but not a savings/investment a/c statement)
-Credit Card statement *
-Utility Bill (If using NTL, you can only send in your telephone bill)
-Copy of Armed Forces ID card

Or we can accept the following if they've been issued within the past 6 months:

-Inland Revenue ?PAYE Coding Notice? (Not a P60 or P45) **
-Council Tax Bill
-Mortgage Statement"

So I'm still not sure whether it's the part 1 or part 2 document they want !

Here is what they said about certified copies of passports:

"I can confirm that a copy of a passport is not an acceptable piece of identification which is why we cannot yet proceed with this."

And:

"As a non-customer facing bank and as an organisation endeavouring to validate a customer's address, we do not accept important documents (or copies of documents) such as passports and drivers licenses."

To me it seems like they just don't understand the word "certified".

I think the idea that these banks have the same rules is wrong. Each is interpreting the law in their own way, and that is the problem. That is my main complaint.

It comes down "it's company policy".

Steve

Steve_Netwriter

pin wrote:

This is what Cahoot accepts as acceptable ID (therefore what I said about passport is wrong). They basically are asking with something that shows your wife's name along with the corresponding address. That is probably why they won't accept the passport as it doesn't show the address. Does she have a driving licence?

Hi again:
I see what you are saying. They have decided that they want two docs with an address on it.
Yes she has a driving licence - but they won't accept that either.

Another odd thing about this. The other banks required proof of where the money was coming from. I providied a letter from our solicitor (doing the conveyancing).
Cahoot pencil numbers on the docs they have read. It appears that they have ignored that document.
Isn't that a bit odd ?

Steve

pin

The FSA has tweaked the money laundering rules recently. Basically it is leaving it up to each organisation to interprete the rules how they see fit (as long as they are applying the rules in their own way the FSA don't mind how they do it).

Like I said before I think Cahoot are coming from a position that they want to see an address proof showing your wifes name. Also like I've said, a passport won't show that, so basically Cahoot won't care for the passport (original or certified).

From what they have written above, they want either of part 1 or 2, but only just one of those. The part 2 is set out different as they seem to have a time limit on it.