Nationwide additional card holder

Any

harryhound wrote: »

Sorry to sound stupid but what is a CCA 1974 ?

Credit Card Act

NickX

Consumer Credit Act 1974

cse

I believe that any additional checks are to do with anti-money laundering regulations rather than anything related to credit checking

harryhound

NickX wrote: »

Consumer Credit Act 1974

Aside from that they have enclosed a CCA 1974 form for me to sign, obviously never done before and they want that little loophole closed !!

So what is this loophole that is being closed?

kew63

I've had the credit card for years & pre when they got you to sign the CCA agreement. Have no intention of default on payment & have always paid it off every month. But obviously they saw this as an opportunity to cover their backs, well not getting it and if they dont like have two other cards I've more than happy to use instead.

Peed off that they used an underhand tactic to get me to sign it, would have probably done it if they had actually be up front & honest.

Moggles_2

May I ask whether your husband is on the electoral register at your current address?
Also, whether you're on the ER under your married name?

kew63

Moggles wrote: »

May I ask whether your husband is on the electoral register at your current address?
Also, whether you're on the ER under your married name?

no you cant !!! and whar business is it of yours?

sorry but this forum is not for being interogated & I find your questions offensive:mad::mad::mad:

MPH80

kew63 wrote: »

no you cant !!! and whar business is it of yours?

sorry but this forum is not for being interogated & I find your questions offensive:mad::mad::mad:

The questions are pretty relevant to whether a bank can electronically identify you or not. My wife is not a british citizen so doesn't appear on the ER - as a result - she'll get asked for ID documentation when I won't. So actually - I think they are pretty fair.

Back to your original question re: ID for a second card holder. I got asked for this by Cap One last year for my wife - she'd been a card holder for months before they asked - apparently it's new rules. But none of the other cards she also is a second holder on have asked yet (including Nationwide).

But that might all be because the rules should only apply to new requests.

As it happens - Cap One handled our case very badly - mislaying documents, telling us we hadn't sent them when we had, and then denying any of those things had happened.

M.

CannyJock

kew63 wrote: »

no you cant !!! and whar business is it of yours?

sorry but this forum is not for being interogated & I find your questions offensive:mad::mad::mad:

Go back to bed. Roll over. Then get back out the opposite side from the one you did this morning.

If you find the question offensive then you don't understand the reason for Moggles asking, i.e. to point you in the direction of possible reasons why they refused your original request to add him as a second card holder.

dzug1

Money laundering regulations mean that most financial institutions will not have currently required ID on record for long standing customers who opened their accounts when things were less stringent.

Most are not actively doing anything about this but will take the opportunity to catch up if a major change occurs in their relationship with the customer - such as a new account.

That's what happened in this case - don't blame the Nationwide (other than maybe for explaining it badly), blame the regulations.