Co-Op cashminder - forget it!

so2006

looby75 wrote: »

you think that's bad you want to try to get HSBC to admit that a 13 yr old isn't going to have a diving licence or a utility bill in her name.

We are having a nightmare at the moment with HSBC over my daughters Livecash account. She has just turned 13 and they want to give her a solo card, which I thought would be a good idea as it will get her used to using plastic in a responsible way. Anyway for some strange reason HSBC said she had to collect the card from their branch and that she needed to bring 2 forms of ID with her, one had to be photo id (passport or driving licence) and the other bill with her name and address on! I phoned the helpline and spoke to a Indian lady who was pretty insistent that my daughter needed a driving licence and that was the only form of photo id they would accept as a licence has your address on it. After 40 mins on the phone she finally agreed to phone the local branch and ask them what to do, and eventually she came back to me and said that if my daughter authorised me to act on her behalf over the phone there and then, I would be able to go with my proof of ID and collect the card on her behalf.

The next day I call in at the branch, tell the customer services person what I was there for and was told point blank that I couldn't collect the card. I demanded to talk to someone about it and was fobbed off and pretty much accused of lying about my daughter giving me authorisation over the phone as they had no record of it! Then after all that they said that they would just send the card out to my daughter. Why the heck they couldn't do that in the first place anyway I don't know!

So to cut it short I still don't have any idea how the heck my 13 yr old daughter is going to prove her id if she needs to deal with the HSBC again, they are still insistent that the only form of ID they will accept is a full UK driving licence or passport AND a recent utilities bill with her name and address on :mad:

BTW we are going to open a Halifax (my bank) account for her next week, and it seems that for once they actually have taken these kind of problems into consideration and are happy for her to prove her id with a passport and a utilities bill in MY name along with my passport.

Form of Id for your Daughter would be:

Photo Id: Passport
Address: Medical license

Simple!

I_know_my_ABC_and_my_CMYK

circuit wrote: »

I've been trying to open a second account recently in case HSBC decide to close my account when I take them to court.

I applied for a Cashminder account over the phone on 14 Feb. I had the argument over whether I would be credit checked - they insisted I would, I said I shouldn't be. Anyway, a couple of weeks later I was asked to send my passport as proof of ID, which I did. My passport came back to me in a recorded delivery envelope some time later.

Last weekend I called and the girl on the phone told me that I should have had a letter (I hadn't) because they didn't accept passports - they wanted a certified copy. She told me to take my documents into the branch to get the application finished. The next day I received the letter that the woman had told me about - at least 2 weeks late.

I went into the branch with documents - my passport, and my benefit book. The lady behind the desk told me that my application had expired, and was I ok to be credit checked again? I reluctantly agreed after arguing that it wasn't a credit checked account. As soon as she did that, she told me that my benefit book wasn't acceptable ID. I pointed to the letter. "No, that means a letter from the Benefits Agency". Am I supposed to be psychic?

Last Friday, I went back, armed with a credit card statement and passport and queued to see the same lady. When I got to the desk she told me I couldn't see here at that desk and had to queue for the other one.

I marched out of course - and got home to TWO more letters asking for ID!

Every time I have called they confuse my application with a Smile account which I was turned down for, which is obviously on my record, yet they can't seem to distinguish between the two.

As for Natwest... they're no better. Is it REALLY so hard to get a basic bank account??

When I opened my Cashminder account with CO-OP I did it all over the phone, they never once asked me for ID. It is approx. 2 years ago now that I opened it, and I don't remember being credit checked either. In fact I was taken aback a bit at how easy it was to open the account with them, I could have been using a stolen Identity.

ShockingPink

so2006 wrote: »

Form of Id for your Daughter would be:

Photo Id: Passport
Address: Medical license

Simple!

Not everone has a passport.
What is a medical license?

rachel6188

your medical card...you can get it from your G.P i think xx

suexf

I just opened a cashminder with the co op over the phone (changing banks from Barclays as they are thieves).
Approx 10-15 minutes on the phone, very easy. The lady was very nice, I believe they did credit check as she said towards the end that the application was accepted all ok. No mention of ID but I will see what happens when the paperwork etc comes through in approx 1 week.